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Having health insurance with a top-up policy is a great way to increase coverage. But if your base policy and top-up policy are from two different companies, it can create unnecessary hassles during hospitalization. - You’ll need to submit documents separately to both insurers. - Each company has its own claim process and timelines, making coordination stressful and time-consuming. - Since top-up coverage depends on exhausting the base policy, any delay in one claim can complicate the other. - P
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