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  • 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
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      This insurance policy has been taken through the company which i am working, the premium amount has been taken every month and it was a good service which they had been making so far. I had two times availed the claim through them and the method in getting the claim has also been good.
      Was this review helpful? 0
      , gandhidham
      Reviewed on Nov 14, 2018
    • HDFC Ergo Health Insurance
      "Recommendble Top up policy"
      0.5 5.0/5 "Blown Away!"
      I have done health policy top up with HDFC Ergo, the customer service is also very good. There is no processing fee for the top up, they gave me the medical amount Rs. 12 lakhs for entire family its for 3 person, I don't have claim experience. They are covering major or minor but for waiting period for pre existing is three years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 13, 2018
    • HDFC Ergo Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I already a health insurance with HDFC Ergo. I am satisfied with the benefits. The policy coverage is one year. It covers only minor disease. There is no claim experience. They provide a good network of hospitals for the cashless treatment. I don't get any reminder call for the policy renewal.
      Was this review helpful? 0
      , panipat
      Reviewed on Nov 13, 2018
    • National Insurance Health Insurance
      "Very low premium policy"
      0.5 4.0/5 "Great!"
      I have not used the health insurance for any kind of claim services. The health insurance policy from National has been issued from my organization. I have called the customer care service for a normal enquiry and the response was good. They have given me a coverage value of Rs. 5 lakhs and all the family members of mine is included in this policy.
      Was this review helpful? 0
      , dehradun
      Reviewed on Nov 13, 2018
    • Royal Sundaram Health Insurance
      "Good Experience"
      0.5 4.5/5 "Excellent!"
      I have two claim with Royal Sundaram, it was hassle free. I need to submit few documentation the process was quick. I got the reimbursement I didn't get the cash less hospitalization. On my nearest place there is no hospital which they got tie .
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 12, 2018
    • Cigna TTK Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      Previously I had a health insurance with Cigna TTK and now moved to new insurer. They provide a cashless treatment in good hospitalization. I have not gone for claim process. The medical coverage is good and don't know about the cashless. I paid around Rs.5500 for a one year.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 12, 2018
    • National Insurance Health Insurance
      "Very easy to get a claim"
      0.5 4.0/5 "Great!"
      My employer has provided me a health insurance with National Insurance. They have given the health insurance policy for my family also. I have got the coverage amount of Rs. 29 lakhs and the chained hospitals list was good. In ten days, i have got my claim settlement. They are providing a cashless treatment facility.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 12, 2018
    • National Insurance Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance in National Insurance for me and my family. The policy covers minor disease and critical illness. The customer service is excellent. Am paying yearly 16K as a premium. Last year have applied for claim, the refund was 100% excluding food. The policy coverage is 10L, I have taken in the year of 2005 or 2006. Am getting good benefits on this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 03, 2018
    • ICICI Lombard Health Insurance
      "Need scope of improvement on claim process"
      0.5 4.0/5 "Great!"
      My I-protect family health plan is good, overall cover is for 15 lakhs for my entire family. They giving pre existing and cash less hospitalization cover. The service is also great but I heard they are not good in claim, they have some length process, they need some scope of improvement.
      Was this review helpful? 0
      , delhi
      Reviewed on Nov 01, 2018
    • Apollo Munich Health Insurance
      "Very Good services"
      0.5 5.0/5 "Blown Away!"
      I have been renewing the health insurance policy with Apollo Munich for last 5 years. I pay the premium amount of Rs. 11000 and my entire family has been covered in this policy. They are providing the coverage value of Rs. 3 lakhs. When i met an accident, they have given me a claim amount of Rs. 1.45 lakhs. I have availed the cashless treatment for claim. Very Good hospitals are covered in this policy
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 01, 2018
    • HDFC Ergo Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      My health is insured with HDFC ERGO from last 10 months, i did not received any documents so far for this insurance. I make my payment every month through RTGS. I have no claim experience so far and they did not inform about the benefits of the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 01, 2018
    • Royal Sundaram Health Insurance
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I have taken Health insurance from the royal sundaram insurance company , Where i am making the payment monthly , i had bad experience regarding claim where they rejected my requirement , because of the miss match name where they mentioned wrongly.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 01, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with ICICI LOMBARD from last 3.5 years, i am not aware of the premium amount of this insurance policy. The coverahge value for this insurance policy is 4 lacs. I have no claim experience so far with this insurance policy.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Oct 30, 2018
    • HDFC Ergo Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using HDFC ERGO health insurance for a while, i never had any claim experience with the policy. i will have to wait and see how they are responding to their claims request in future, till now service is good no issue, there premium they are charging is nominal.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 30, 2018
    • HDFC Ergo Health Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have a health insurance policy with the HDFC Ergo. I pay a premium of 6100 Per year, I do not have any claim experience with the policy and it offers full coverage for my entire family. They offer a coverage 2 lacs annually which is pretty good for me. Overall it has been a good experience with the features of the policy. .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 30, 2018
    • review Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have purchased a Health Insurance in Aditya Birla and it was better than Bajaj. I have paid near about 7500 rupees for 2 years. The cashless hospitalization is available as like others. The medical coverage is 10L . I am eligible for all the criteria. I never had claim experience.
      Was this review helpful? 3
      , pune
      Reviewed on Oct 24, 2018
    • New India Health Insurance
      "GOOD SERVICE"
      0.5 5.0/5 "Blown Away!"
      It is the corporate health insurance policy that i am holding it from NEW INDIA ASSURANCE. I had a claim experience with this policy which is cashless where the service is very good. It gives the coverage for the family also the medical coverage is good.
      Was this review helpful? 1
      , faridabad
      Reviewed on Oct 24, 2018
    • Cigna TTK Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am using the health insurance policy with CIGNA TTK HEALTH INSURANCE from last few years. I have no claim also the premium is nominal which is 12k the coverage is for self. Medical coverage is for 2.5laks only for self coverage. It is a good policy to use.
      Was this review helpful? 1
      , vadodara
      Reviewed on Oct 23, 2018
    • Apollo Munich Health Insurance
      "Best policy"
      0.5 4.0/5 "Great!"
      My health is insured with Apollo Munich from last 1 year and it is a best policy to use. There was no claim experience so far with this insurance policy. A premium of Rs 16000 has to be paid for this insurance and the coverage value is Rs 10 lakhs...
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 19, 2018
    • United India Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with United India Insurance from last 13 years, a premium of Rs 8750 has to be paid for this insurance policy. My claim experience was very good and they covered 100%. The coverage value of this insurance is up to Rs 5 lacs.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 19, 2018
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