Thanks for your reply and clarifications Avinash. Appreciate your guidance.

Thank you Mr. Kumar for your advice. The reason i had raised the querry on multiple super topups is because insurance companies have the option to keep increasing the premiums every four years to keep pace with inflation. However no such protection is available to the insured to increase sum insured periodically.

Enhancement of sum insured is at the discretion of the insurance company and can be denied. This is especially true for senior citizens and over 65 years of age.

The only option left in such cases is for the insured to buy additional super top ups to increase his/her health cover, from whichever insurance company that has and is willing to offer such a product to the insured.

There appears to be no clearly defined provisons in the insurance rules/acts whether an insured can accumulate more than one super top up policy with progressively higher deductibles equal to the total cover already existing to keep up with the rapidly rising healthcare costs.

You can buy as many base policies and top-up policies as you may like to have. Afaik, there is no rule which stops you from doing so. Only thing is to disclose information about all your previous policies in your subsequent proposals (if asked).

And whether you have one policy or multiple, you can claim upto the total amount only once collectively from all the policies since these are indemnity policies and not lumpsum pay out policies.