Comment on How to protect yourself when a single event throws your life off course?

I have a family floater health insurance from HDFC ERGO OPTIMA RESTORE for 5L sum insured.
Want to take a Super Top Up. Hdfc ergo does not give benefits like bonus and restore. Also charges for things like bandages/cotton etc. Therefore super top up is on hold. HOWEVER TATA AIG Health insurance gives all the benefits in Super Top Up.
Therefore my query is
Can I take aa Super Top Up from different I surer. If so will I face any issue in Claim procedure as both the insurer are different. In such case what is the Claim Procedure.?
Can you suggest any alternate or my choice is a good one.
A reply will be appreciated.
Regards

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