Super top policy purchased in a different month than my base policy
For my mother, 61 years old, I have taken base policy of hdfc ergo - my health suraksha silver (taken on 12th July, 2017). Sum Assured is Rs. 4 lakh. NCB of 2 lakhs has been accumulated till date. (Maximum NCB is 4 lakhs).
I took a super top up plan - Health Connect Supra by liberty videocon on 9th June 2020. Deductible Rs. 4 lakhs. Sum assured Rs. 10 lakhs.
Later I realised that super top up plan of the same company would make sense. So on 29th December 2020, I took hdfc ergo super top plan - medisure. Deductible 4 lakh. sum assured 11 lakhs.
On March 11, 2021 - My mother had to visit a cardiologist.
As the base policy has been purchased in July, I made payment for hdfc ergo super top up plan on 6th July, 2021 with the same amounts. However, hdfc ergo denied issuance of this new top up policy due to prevailing health conditions.
Now, to conclude I have a base policy of 4 lakhs (July), super top up by liberty (June) (deductible 4 lakhs, SI - 10 lakhs) and hdfc ergo super top up (December) (ded - 4 lakhs, SI - 11 lakhs).
My question is if I have to drop any of these 2 super top policies, which one should I drop ? or should I continue with both the policies. Assuming that other insurance companies will also not issue new top up policy basis the health condition of my mother.