When can I use my top-up policy?

[Soham Velhal]

When can I use my top-up policy?

[Jyoti Poojari]

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. 

[Dinal Shah]

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.