Thanks for your positive and prompt response
It helped me so much
In my father case , I am bit confused between to take Basic policy SA higher or i should go with Two policy Plan Basic Policy and Super Top Up. For example
Basic policy SA 5 Lac costing me same premium as Basic Policy SA 3 Lac and Super Top up Deductible 3 LAc and SA 9 Lac.
Which one is the best in your view .
Should we keep deductible of super top up policy should be less then The Basic policy Sum Assured. for example Basic Policy SA 3 Lac and Super Top up Deductible 2 Lac and SA 9 Lac.
One more thing that if we purchase policy then can company change the premium during course of policy due to market condition or sell out of company.
1 Answers
Hi dear,
Kindly note that Super Top up policy will come into picture after the exhaustion of the SA of the base policy. So, if there are high chances of getting hospitalization or requirement for medical treatment (considering your Father's health condition) you may opt for higher base policy SA and then one Super Top up policy.
Also, note that there can be tricky Clauses related to 'sub-limits'. So, do understand them before shortlisting a health plan.
The premiums on Health Insurance policies can vary year on year. They may not remain constant.
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