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Individual Super Top Up - Base Policy Family Floater - How to choose Deductible

15 Feb, 2021 | by RAHUL PARASRAMPURIA

A person has a family floater health insurance policy of Rs 10 Lacs. The person wishes to obtain a Super top up policy for himself and his spouse - as separate individual policies and not a family floater policy . What should be the ideal deductible opted in the Top Up to ensure no gap in coverage... Thanks

Health Insurance

1 Answer

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16 Feb, 2021

Mahavir Chopra

Founder, Beshak

Hello Rahul,

We would like to understand this better. We would like to understand the reason behind taking a individual super topup and not a floater super topup? Thank you.

1 Comments

17 Feb, 2021

RAHUL PARASRAMPURIA

Hi Mahavir,
Apart from academic interest, 2 major reasons for taking individual top up policy

Tax benefits optimization by ensuring premium payment from both husband and wife account
Husband has recently been advised medication for hypertension... To my knowledge , existing policy can continue ..pls correct me if I am mistaken.. So, now when I am going for top up, I want the policies of husband and wife to be separated so there is no PED related issues later on

Thanks
Rahul

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Individual Super Top Up - Base Policy Family Floater - How to choose Deductible

1 Answer

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