How should you make a claim if you have more than one Health Insurance policy? It might feel like a puzzle or a difficult task, owing to which, you might find yourself in a dilemma. But deciding the order of making a claim on multiple Health Insurance policies is, in reality, not difficult.
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Following are some questions you may ask yourself when you have multiple Health Insurance policies, whether from the same insurer or different insurers, or when you have different types of Health Insurance policies.
It is your right to decide the order in which you choose to make a claim on policies. If the claim amount exceeds the sum insured of one Health Insurance policy, then you can claim the excess amount on the other Health Insurance plan.
What to consider:
If you have multiple Health Insurance plans from different insurers, you have the right to make a claim on just one policy or both and to choose the policy under which you want to make the first claim. Keep in mind the following:
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In case of a reimbursement policy:
In case it’s cashless:
The claim from the first insurer is settled through the cashless mode and all the subsequent claims will be reimbursed.
Following is the process to make a claim:
If you have two types of Health Insurance plans like individual Health Insurance plans and a group insurance plan, always make the first claim from your group insurance plan.
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