Insurance topup

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Deal Subedar
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Came across a discussion recently abt how topup insurance can be handy

Had few queries….
Suppose my base insurance is of 5 lakhs bt it has capping on few ailments like knee replacement…so if d capping is of 1 lakh but bill is 3 lakhs den can we claim remaining 2 lakh from topup insurance?

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No u can’t. Ur top-up policy will trigger only after achieving deductible amount (which u will choose as 5 lacs as ur base policy is of 5 lacs).

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drjpatwa wrote:

No u can’t. Ur top-up policy will trigger only after achieving deductible amount (which u will choose as 5 lacs as ur base policy is of 5 lacs).

Dr I have one query
Top up policy triggers on basis of actual bills or the bill amounts accepted by base policy company.

For example,suppose I have base policy of 2 lakh(I know rare) and top up of 10 lakh(with deductible 1 lakh).
Person undergoes hospitalisation for cataract in both eyes making total bill of 2 lakh. But base policy only pays 1lakh(only one eye allowed, or some other limit in document).
Here, I can still claim from top up policy company right?(because deductible was 1 lakh)

But there would be issue of producing bills I think as base policy company would take all bills, although we need to ask for attested copies from them

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raman12 wrote:

Dr I have one query
Top up policy triggers on basis of actual bills or the bill amounts accepted by base policy company.

For example,suppose I have base policy of 2 lakh(I know rare) and top up of 10 lakh(with deductible 1 lakh).
Person undergoes hospitalisation for cataract in both eyes making total bill of 2 lakh. But base policy only pays 1lakh(only one eye allowed, or some other limit in document).
Here, I can still claim from top up policy company right?(because deductible was 1 lakh)

But there would be issue of producing bills I think as base policy company would take all bills, although we need to ask for attested copies from them

If deductible is so less den topup premium will be high

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