Top-up policies are a cost-effective way to boost health insurance cover, but deductibles, paperwork and insurer coordination can complicate claims.
The total bill was 38 lakh. He had done everything right: a base policy of 20 lakh and a 1 crore top-up with a 20 lakh deductible. On paper, he was well covered.
What he had not anticipated was the … [+4630 chars]
