How to make Multiple Health Insurance Claims

1. Health Insurance

2. How to make Multiple Health Insurance Claims

3. Lot of people these days holds more than one health insurance policy. For those wondering why and how an individual can have multiple health insurance policies, here are some scenarios: • Health insurance covers from employer (you may be covered under a group health insurance policy by your own employer and / or spouse’s employer and / or father’s employer and / or mother’s employer) • Over and above the health insurance • cover from the employer (as seen in point (a) above) you may have bought a personal health insurance cover (individual or family floater).

4. You may have bought a health insurance policy some 10 years back and now feel the cover amount is less as health insurance costs have gone up significantly in the last few years and hence you bought one more health insurance policy to enhance your or your family’s health insurance cover You may be covered under the group health insurance policy of your bank (provided to account holders as a benefit). e) You may have bought a separate critical illness policy or added an critical illness rider to one of your life insurance policies to take care of critical illnesses

5. Please note if there are more than two health insurers from whom the claim is to be made, then the same process will apply as above. • Also you cannot profit by claiming the entire amount multiple times from multiple health insurers. Even if there are multiple policies involved, you cannot get paid more than the actual hospitalization amount. • So as you can see, IRDA has made the process simpler and policyholder friendly. • [Source: http://www.medimanage.com/health-insurance-experts-blog/post/2015/07/17/How-to-make-claims-with-Multiple-Health-Insurance-Companies.aspx]

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