60-year-old with CARE Health Insurance seeks advice on adding a 90 lakh super top-up

I have an individual health policy with Nivabupa. The current renewed policy document mentions: 1. Base Sum Insured Rs 5 lakh 2. Loyalty Additions Rs 2 lakh  3. Next Column Sum Insured (Base Sum Insured + Loyalty Additions + Refill amount ^) (in Rs) 12,00,000 My 2 claims totalling Rs 6.25 lakh for Angiography and Bypass Surgery were settled only for Rs 500,000.  Is this in line with norms? 

 I am an employee of central govt. PSU. My family consists of myself, spouse, two minor children and mother. I am covered by a corporate group medical insurance policy for Rs 2 lakh with an additional emergency coverage of Rs 4 lakh by the employer. I also have a personal Family Floater policy for Rs 3 lakh and a Sr. Ctzn. Policy for Rs 1 lakh. I have not used the personal policies till date for any hospitalisation claim. I am aware that a claim exceeding the corporate policy limit can be claimed in the personal policy. Recently I was made to know that any planned hospitalisation exceeding the corporate claim limit, cannot be done using the second policy. I also know that there is a product called as top up policy which can be used in such cases. I have 8 years of remaining service where there is a medical insurance cover during the period. After retirement, the employer provides a basic policy of 1.5 lakh for the family. The same feels to be insufficient in today’s times. What would be your advice with regards to the existing medical insurance policies and their amounts? Should I need to undertake any tweaking of the policy amounts or switch to a top up policy?

My daughter is suffering from Ewings Sarcoma. Treatment is being carried out under Government Health scheme. We also had a Star Health mediclaim worth Rs 5 lakh on floater basis for a 4 member family includive of my daughter and son. After the discivery of disease i tried for a Top up but could not do it for 4 of us. Rather the 10 lakh top up was taken for 3 of us sans my daughter. The annual premium falls Rs 17000/- for Rs 5 lakh plan and 4000/- for top up for the Rs 10 lakh plan for a year. Since the health scheme is there should i continue any further with the Star Health policy. In Government health scheme the coverage is unlimited but cashless is Rs 2 lakh only. Kjndly guide Regards Gouri Sankar Bhattacharyya

I HAVE CARE HEALTH INSURANCE BASE POLICY 1000000 FOR 2 ADULTS 1 KID , AGED 60 YEARS, 45 YEARS AND 16 YEARS. AND FROM THE LAST 15 YEARS NO CLAIM. 2023 I PORTED MY MEDICLAIM POLICY FROM NATIONAL INSURANCE TO CARE HEALTH INSURANCE WITH 1000000 L BASE AND 50% NCB. I GOT A RENEWAL ON DEC/24 AND NCB 50% WAS ADDED WITH MY BASE INSURANCE. NOW I WANTED TO TAKE A SUPER TOP-UP OF NIVA BUPA HEALTH RECHARGE OF 90 LAKH. IS IT GOOD FOR MY FAMILY? PL ADVISE ME.