Room Rent Limit cap in Super Topup policy
15 Oct, 2020 by Pratik Goel
Employer of my wife and I has provided a health cover for Rs 4L each (total 8L). I additionally want to buy a super top up. Suppose I buy a super topup of SI 15L, and knowing that room rents are usually capped at 1% of SI, what SI will be considered in this case? 4L or 19L?
You have not mentioned about your age. Insurance companies and plans become restrictive once you grow older and/or suffer from a chronic health condition. We therefore recommend you invest in a personal base cover of Rs. 15 Lakhs (instead of a top-up) for your retirement or any future gap you have in your employment. This way you also end up crossing through all the waiting periods that exist in a personal health insurance policy.