Top-up Health Insurance : Will it be a single illness or two?

[amitz]

I have a quick query on the Top-up policy. As we know that the Top-up policy will be kicked up, only when we cross the deductible. How do the illness number is counted means if I went to hospital and discharged and again admitted to hospital for same illness and again discharged. Will it be a single illness or two?

If it's two illnesses - will the second one be treated as post hospitalisation or not covered at all?

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