Insurance Expert - Answered on Dec 22, 2022
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Super top up policies do not offer cashless claims but only provide reimbursements.
The one lakh gap, unfortunately, cannot be filled at this point. However, while renewing your policy you can opt for increased sum insured with TATA AIG. The insurer will ask you a set of questions and schedule medicals to analyse your risk profile. Post that based on your reports, the insurer will take a decision on increasing the limit.
I suggest you approach your insurance company and inquire about the same and if you still fail to get a response from them then you can approach insurer ombudsman for this issue.
If yes, then check the policy document to know if your insurer provides claim for same person, same illness on the second claim i.e. restoration benefits.
In case, the sum insured is not exhausted then you are eligible for the second claim and I advise you to write to ombudsmen about your issue. You need to email them at email@example.com (external link) with your query along with all the documents of your case.
However, if your sum insured was not completely exhausted, you would have got the claim for post hospitalisation even if the bills were dated in Jan 2022, i.e. within 60 days of discharge.