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- When can I use my top-up policy?
12-09-2017 04:16 PM
12-09-2017 04:16 PM
When can I use my top-up policy?
12-09-2017 05:40 PM
12-09-2017 05:40 PM
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.
15-09-2017 04:42 PM
15-09-2017 04:42 PM
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.