My mother (64 years) has a Mediclaim policy of ₹3 lakh from National Insurance. She is a diabetic and hypertensive on medication and under control. She has been with National Insurance for last 11 years and she has made a claim only once for diarrhoea in 2012. I want to buy a super top policy for ₹5 lakh with a deductible of ₹3 lakh (cover offered by the existing insurance policy). Is it possible? From which company should I buy a plan?
- Anubrata Karmakar
You may either go for Apollo Munich Optima Plus or United India Super Top Up Plan. Both are super top up plans that will cover expenses over and above a deductible limit. While the entry age is 80 under United India policy, Apollo Munich allows entry only till 65 years. Choose a policy based on premiums and your preference for a public insurer or private insurer. Premium will depend on your mother's current health condition.