Query on super top up
If I have a base cover of Rs. 10 lakhs and super top up of 20 lakhs (same insurer and deductible of 5 lacs), and the hospital bill comes to Rs. 30 lakhs, can I use the base cover of Rs. 10 lacs and then super top of Rs. 20 lacs? Or will the insurance limit it to Rs. 20 lakhs + 5 lakhs (deductible amount)?
Also, I get confused when an insurer says "total sum insured" of Rs. 20 lakhs (read it while checking HDFC ergo super top up). So will they restrict claims to Rs. 20 lakhs irrespective of hospital bill amount?