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Base cover:
4 lakhs floater policy for employee, spouse and children.
2 lakhs floater for parents or parents in law. You can have either parents or in laws. Cannot include 1 parent and 1 parent in law.
Any additions to this base cover - Premium has to be borne by employee.
Base is 4 for self and spouse.
2 for parents.
Top UP ranges from 2-12 L for self and spouse.
2-10L for parents. Premium varies.