I am 38 years and reside with wife and daughter in Mangaluru. I work for a reputed Company and am covered under my Companies group health plan with a sum assured of INR 1 Lakh. My wife is also working and I am covered under her employer's group insurance plan for a sum assured of INR 1 Lakh. I met with an accident and have to make a claim for hospitalization of INR 1.6 Lakhs. Can I claim these expenses from both the group health insurance plans (mine + spouse company health plans)?
You can get hospitalization expenses reimbursed under both group health insurance plans (yours + spouse). You must first make a claim under your employer's group health insurance plan. You make a claim of INR 1 Lakh under your employer's group health plan and the remaining amount of INR 60,000 under your wife's employer group health plan. If you have the cashless facility, just show the health[NB1] cards. The insurer directly settles the hospitalization expenses with the hospital.