Will the top up cover critical illnesses covered by the main policy?

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Top up policies basically offer indemnity and reimburse expenses. They will not apply for critical illnesses as it is a lump sum benefits policy. The idea behind a top up policy is to increase coverage, adding more to the list of illnesses covered by the main policy at a marginal extra cost. If your primary policy’s sum insured is not adequate, top up policies enable you to increase your coverage.