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@narrowgateevangelist The example does make sense, yes. Probably thats why some health policy offers full SI restoration benefit and no-claim bonus. If your base and super topup time frames don't match, that feature can come handy for you.

@narrowgateevangelist Can you elaborate? Don't think it matters as long as you have uninterrupted coverage.

@resjudicata The super top up would kick in only when your expenses cross the deductible in a given year. So as long as you can prove the expenses were above deductible limit, it should be OK. Only catch is if both are of different insurers, the super topup would be a rembersement and not...

@augustbug Ya, that's what I'm afraid of. My inward isn't very frequent or in large volume to take this hassle. Plus I'll need money within 1-2 days. I think I'll go ahead with tried and tested method of my current private bank where all things can be done over email.

@augustbug Just to be clear, you meant 20k dollars a month, right?

@augustbug If you have experience working with IOB, how smooth is the process? Currently, in my HDFC account, I get sms and email on the very next day when wire transfer is done from US. Once I respond to them via transfer purpose, I will get the amount credited within a day. Is it that much...

@henry_ Are forex exchange rates ($ to INR) for inward remittance negotiable with banker? Do they have control of what rate they can offer? I have a couple of bank accounts (private banks), so looking to get better rates to get amount (in $) to get wire transferred.