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Super top-up requirement?

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01 Apr, 2021 by  Sushmit Kumar Mondal

My parents are above 60 with one above 65. We have individual 5 lakh policies. Till now the hospital expenses have not gone above max 1.5 lakhs. But the *room rent cap will be breached from next year*. Is it advisable to take *super top up policy now*? We have *New India Assurance good health policy. It's a tie up with Citibank*. The cashless policy has always worked with even pre and post hospitalization reimbursement recieved on most claims. Parents are diabetic and Dad has heart blockage which cannot be operated on while Mom has had 18 procedures done due to various ailments.


2 Answer

Regional Director, Amicus Insurance Broking

It would be advisable to go for a super top up policy with a deductible of Rs. 5 lakhs corresponding to the base policy. In the event of insufficiency of coverage under the base policy, the super top up will be of assistance.

However, the Super Top Up will come with a waiting period for pre-existing conditions which your parents have. So immediate relief may not be available from the super top up for illnesses that are related to the pre existing conditions. Besides the insurers can also insist for health check up prior to acceptance of the proposal. If there are numerous conditions existing, there is a high possibility of rejection of the proposal.

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01 Apr, 2021
CEO, Insurance Samadhan

Dear Mr Mondal

I agree with Mr Hari. As per health conditions of your Patents , proposal may not be accepted .

However , you should apply for super top up with multiple insurance companies .

May be one company accept the proposal with waiting period .

God bless

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