super top up query
Hello, I have a base family floater policy covering 2 adults and 1 child from a standalone private health insurer covering sum insured of 15 L and another 8 L of accumulated bonus till date. Future bonus will accrue at rate of 10% and will be reduced by same rate in case of claim. Currently I also have a base family floater policy from a PSU insurer covering 10 L amount.
Would like your views on the following steps going forward - I plan to discontinue the family floater policy from a PSU insurer and instead take a super top up from them with 20 L deductible and additional sum insured of 30 L. The premium would reduce to 25% of current premium and coverage would also rise. I cannot opt for the same insurer as the higher deductible option is not offered.