Trending @Wipro; Medical insurance Query
Hi Wiproites,
Need your support for below query. I want to add for Super Top Up for 10 Lakh but it's showing deductible 2lakh and if I opt for 3 lakh then my Annuall premium showing less. what does that mean, can anybody please explain.
10 lac super top with N lacs deductible provide you a policy which has N lacs cover to be paid from base policy and expenses beyond your deductible amount upto 10 L rupees will be paid from super top up plan..
So in summary, if you have 3 lacs base insurance and you opt for super top up of 10 L with 3L deductible your total coverage will be 10 lacs but for claims upto 3 L you will be covered by base plan and beyond 3L upto 10 lacs you will be served with super top up coverage..
Thanks a lot for clarification👍👍 Just one more query if I add these and it will be locked for 3 years. What will happen if I leave the organization after 6 months. Will the premium would be deducted for all the 3 years and would be settled from F&F or it will be adjusted for 1 year or pro rata basis
