New India Assurance - Floater with Topup query

[yogesharora2]

I was planning to buy New India health insurance. Lets say I buy a 5 lac base floater for my family and a 5 lac top up floater.

In case the base 5 lac is used by any member in a year, then can any other member directly use 5 lac top up floater, as base has already been used completely by me. OR if the base is over, no one can use top up.

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