I heard some companies do not have top up cover. Can I get the main policy from one provider and top up with another provider?

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Certainly. You can buy your main policy from one insurer and your top up plan from any other insurer. Just ensure that the sum insured in your mail policy matches the threshold level of your top up plan. To buy top-up insurance, you don’t have to have your main insurance from the same company. If you are main health insurance policy is from United India, your top up can be from another health insurer.