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Contributor
Soham Velhal
Posts: 26
Registered: ‎23-08-2017

When can I use my top-up policy?

When can I use my top-up policy?

2 REPLIES 2
Occasional Contributor
Jyoti Poojari
Posts: 10
Registered: ‎12-09-2017

Re: When can I use my top-up policy?

Soham I think you can utilize the top up plan only when the base health plan's sum insured is exhausted. 

 

For example: If your Base Health Plan Sum Insured is 5 lakh and Top Up plan is of 2 Lakh. 

Now, If your claim is for 6.5 lakh. 

Then first your 5lakh will be utilized, and then remaining amount (i.e. 1.5 lakh) will be utilized by the TOP UP Plan. 

Contributor
Dinal Shah
Posts: 25
Registered: ‎28-08-2017

Re: When can I use my top-up policy?

In case your health insurance provides a cover of Rs.5 lakh rupees and you top-up plan provides you cover of Rs. 7 lakh. The top-up amount comes in use only after the threshold limit is crossed. So, if you have a claim of Rs. 8 lakh then first of all base policy of Rs. 5 lakh will be used and the left over Rs.3 lakh are given from the top-up plan.