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should I go with super top up plan from same company or different company
Share I have taken floater policy for my father and mother for the sum insured of 2.5 lakhs. The cumulative bonus in the policy is 2.5 lakhs. Policy Name is HDFC Ergo My health Suraksha silver smart plan. My father has Blood pressure Policy is more than 4 years old. Now I wanted to increase the coverage through hdfc ergo super top up plan. I have received quotation for the sum insured of 20 lakhs with deductible of 5 lakhs however the PED waiting period in the plan is 3 years. Which is higher than the other super top up plans .
Is it advisable to get the super top up plan from another company and have the base plan through other company ? for hospitalization Can I make cashless claim from both the companies ? or should I go with HDFC Ergo to avail cashless claim from both base plan and super top up plan or take super top up plan from other company with lower waiting period ?
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Hello Pratik,
Ideally, you should purchase both the base health insurance plan and the super top-up plan from the same insurance company. This approach simplifies the claims process, resulting in less paperwork and smoother coordination between the two plans. However, there is no strict restriction against having the base plan from one company and the super top-up from another. Your choice may depend on the specific features and pricing of different products, as well as your personal preferences. Also, when buying a super top-up plan, please ensure that the policy start date coincides with the month (or even better, the same date) as your base health insurance plan. This alignment is crucial to avoid complications when making claim payments.
Regarding cashless claims from both the base plan and super top-up plan provided by different companies, yes, it is possible. The detailed process for claiming in such scenarios is mentioned here: https://www.beshak.org/forum/post/need-information-about-cashless-claim-when-base-and-supertop-up-policis-are-from-different-companies/
I hope this helps. Thank you!