• Procedure for Health Insurance Claim from Multiple Policies

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    Health Insurance is of utmost importance for every individual. A comprehensive health insurance policy ensures that the policyholder has an easy access to the best medical care and finest treatment, without being financially burdened. During a medical emergency, it’s important for the patient and his/her family to be free of any worries. Leading insurance companies in India provide health insurance policies which comprise of affordable plans, tailor-made to suit the policyholder’s rising healthcare costs. The most popular plans are individual health insurance, family health insurance, health insurance for senior citizens, and top-up health insurance cover.

    Every health insurance policyholder must have the liberty to be able to decide and use more than one health insurance policy, as and when required. This is especially applicable in case of meeting steep hospitalisation expenses. Say, as a health insurance policyholder, you hold two health insurance policies, then you do have the right to claim either one policy or both. What needs to be kept in mind is that the actual hospitalisation expenses incurred cannot be more than the amount that you can claim from a policy or two policies.

    The process of claiming two health insurance policies has been explained below -

    For a Cashless Claim:

    For cashless claims, you can use multiple health insurance policies in two ways. The first and most popular being the one where you make a cashless claim on one insurer , and procure the claims settlement summary. Once this is done, you need to get attested copies of the bills. You can now approach the second insurance company to request a reimbursement of the remaining amount. If you are lucky enough to get a clearly defined cost of treatment, you can duly fill both the authorisation forms. The hospital will send a form each to both the insurance companies. Depending on this, insurance companies will settle the bill accordingly, directly with the hospital.

    Health-Insurance-Claims-On-Multiple-Health-Policies

    For a Reimbursement Claim:

    It is true that the cashless mode is prevalent these days, as it ensures the convenience of the hospital and insurance company settling the bills directly amongst themselves. Despite earning soaring popularity, there are some hospitals where the cashless facility is not accepted. In these cases, you need to pay the bill from your own pocket first, only to have it reimbursed by the insurance company later. You will be required to submit the original bills based on which the insurer will reimburse the medical expenses incurred by you. Please note that these bills will be kept by the insurer.

    To use Two Health Insurance Policies to Pay the Bill:

    Say your hospital bill sums up to Rs. 3 lakhs, and you own two health insurance policies bought from two different companies. Let’s assume that the sum insured or health insurance cover in each of these policies is Rs.2 lakhs. As you wish to claim an amount of Rs. 3 lakhs, you need to make use of both the policies. This will again require you to submit all the original bills and documents to the first/more preferred insurer. You must clearly state the amount that you wish the aforementioned insurance company to pay. Once this insurer pays Rs. 2 lakhs, you will then have to obtain a claims settlement summary from the insurer and get photocopies of all the bills. You must these copies attested by the hospital and submit them (along with the claims settlement summary) to the second insurance company. Only then will the second insurer pay the remaining amount. 

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    How to Claim from Multiple Health Insurance Policies? Reviews

  • Page 1 of 50 1 2 3 4 5
    • National Insurance Health Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having the health insurance policy with the National Insurance company. I used to talk with them very often and the claim went in easy manner. Everything went in the good aspects with them till now.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 17, 2018
    • Bajaj Allianz Health Insurance
      "Good Insurance"
      0.5 5.0/5 "Blown Away!"
      I have taken a Mediclaim plan with Bajaj. I have had a good claim experience with them. They gave the amount pretty easily. Even in case of my relatives experience Baja readily payed about Rs.75000 for the treatment. The number of network hospital in it are pretty good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 16, 2018
    • Religare Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I hold a health insurance with Religare from last 2 years and it is a good insurance policy. This policy has to be renewed every year and i pay a premium of Rs 11000 for this insurance. I do not have claim experience and i have not taken any cashless treatment. I have a coverage of Rs 5 lakhs which is satisfactory.
      Was this review helpful? 0
      , faridabad
      Reviewed on Feb 14, 2018
    • HDFC Ergo Health Insurance
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      Taken a medical insurance policy with HDFC ERGO GENERAL INSURANCE. Still now I have not taken any claim with my medical insurance. The plan and benefits are really good. I have been paying a premium of rs 5,000 per year. The customer service and response is good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Feb 14, 2018
    • National Insurance Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance with national insurance from last 2 months and it is a good insurance policy. I pay a premium of Rs 170 on monthly basis. I do not have claim experience so far and i have not taken any cashless treatment. I have a coverage of Rs 3 lakhs which is satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 13, 2018
    • HDFC Ergo Health Insurance
      "Best policy to use"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance with HDFC ERGO from last 7-8 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 15000 for this insurance. I have taken a cashless treatment and my claim experience was very good with this insurance. I have a coverage of Rs 3 lakhs which is satisfactory.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 13, 2018
    • Apollo Munich Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I took a health insurance from Apollo Munich through an advisor. Its been 3 years. The cash facilities are really good. The customer service was pretty good. I haven't gone for claim. The medical coverage was 5L. I used to pay around 13,000 rupees yearly.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 12, 2018
    • review Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I hold a health insurance with Birla General insurance from last 6-7 years and it is one of the good insurance policy to use. This policy has to be renewed once in 3 years and i pay a premium of Rs 3500. I do not have claim experience so far with this insurance and i have not taken any cashless treatment. I have a coverage of Rs 3 lakhs which is satisfactory.
      Was this review helpful? 0
      , panipat
      Reviewed on Feb 12, 2018
    • National Insurance Health Insurance
      "Good service"
      0.5 3.0/5 "Satisfactory"
      For the past 2 years I have the health insurance policy from the NATIONAL INSURANCE. The customer support service is average with the NATIONAL INSURANCE company. This policy covers 3 members in my family and the medical coverage is good with this policy , I can claim up to 4lakhs for the hospitalization.
      Was this review helpful? 0
      , gorakhpur
      Reviewed on Feb 12, 2018
    • United India Health Insurance
      "Good Insurance provider"
      0.5 5.0/5 "Blown Away!"
      I have a corporate insurance with United India Insurance for the sum assured of Rs.10 lakhs including my family members. I did a claim, when I met with the accident, I got cashless hospitalization service, totally I was admitted for 10 days, they took care of everything. The process was good, I claimed to Medi assist whose got tie up with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 12, 2018
    • HDFC Ergo Health Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance policy with HDFC ERGO from last 5-6 years and it is one of the good insurance policy to use. I pay a premium of Rs 202 every month for this insurance. I have not taken any cashless treatment and i do not have claim experience so far. I have a health coverage of Rs 5 lakhs and the accidental coverage of Rs 15 lakhs which is satisfactory.
      Was this review helpful? 0
      , surat
      Reviewed on Feb 12, 2018
    • Reliance General Health Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      I am having a health insurance policy with Reliance general from last 7 years and it is a good insurance policy to use.This policy has to be renewed every year and i pay a premium of Rs 12000-13000 for this insurance. I have not taken any cashless treatment and i do not have claim experience with this insurance. I have a coverage of Rs 6 lakhs which is satisfactory.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 12, 2018
    • HDFC Ergo Health Insurance
      "Excellent insurance "
      0.5 5.0/5 "Blown Away!"
      I have taken Health Insurance with HDFC Ergo,the premium amount is 1153,The policy coverage amount is three lakhs including family members.I have no claim experience as its taken six months ago.The process is too simple, and easy they had finished within a day.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 10, 2018
    • Apollo Munich Health Insurance
      "Best insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have taken this policy last three years ago.The premium amount is 10600 paid through Kotak bank credit card.This policy was taken 30 days ago.I have no claim experience till date.This policy is covered including the family members is three lakhs.
      Was this review helpful? 0
      , jaipur
      Reviewed on Feb 10, 2018
    • National Insurance Health Insurance
      "Okay"
      0.5 3.0/5 "Satisfactory"
      I have taken a health insurance policy with National Insurance 6 years back and it is a good insurance policy. I have not made any claim experience with the National Insurance. The policy which I have taken is best benefited. The cashless treatment policy is also good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 09, 2018
    • Star Health Health Insurance
      "Good insurance"
      0.5 4.0/5 "Great!"
      I have taken a Health Insurance with Star health,i need not pay any premium amount as its from the company.I get a policy coverage amount of two lakhs per year for five members in a family in a floating basis.I have a claim experience once they had deducted a minimum charges and rest was covered by the company.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 09, 2018
    • Bajaj Allianz Health Insurance
      "Best policy to use"
      0.5 4.0/5 "Great!"
      I hold a health insurance policy with Bajaj Insurance from last 1 month and it is a good insurance policy. This policy has to be renewed every year and i pay a premium of Rs 700 on monthly basis. I have not taken any cash less treatment and i do not have claim experience with this insurance I have a coverage of Rs 1 lakh which is satisfactory.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 09, 2018
    • United India Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I haven't started using the United India health Insurance , which was offered by my company. This policy covers 2 members which is myself and my mother. This policy has the medical coverage up to Rs,5,00,000. I never had any claim experience so far.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Feb 09, 2018
    • HDFC Ergo Health Insurance
      "Very Good"
      0.5 5.0/5 "Blown Away!"
      Taken medical insurance policy with HDFC ERGO GENERAL INSURANCE. There plan benefits are really very good. The policy coverage and cashless treatment policy were very good with HDFC ERGO GENERAL INSURANCE. Customer service is very good and claim when explaining the policy.
      Was this review helpful? 0
      , faridabad
      Reviewed on Feb 08, 2018
    • United India Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken a health insurance from UNITED INDIA INSURANCE. Its my corporate insurance which has been provided through my company. The total policy covers for 2 lakhs. They provide cashless and reimbursement. I dont have any previous claim experience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 08, 2018
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