My father is govt pernsioner and he had 2 lak policy . i took policy for him from 2 insurances for 5 lak each ..do I need to take any super top up?

Hello Santosh,

We need more information to give a detailed answer.

If I have understood correctly - the total cover you have for your father is 10Lakhs + 2 Lakhs. Assuming he is in his early 60s and in good health, this should be good coverage for now. Try to see if you can upgrade one of the 5 Lakhs cover into 10 Lakhs and hold a total 15 Lakhs personal cover for him. This can be achieved by upgrading the same policy or taking a super topup. Evaluate, compare premiums for both and decide.

Hope this helps.

Yes , You should take super top up .

Hi Santosh,

Please have one policy of 5 lakhs and add a Super top-up of 15 lakhs or 20 lakhs.

Parents should have atleast 20 lakhs cover.