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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
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with HDFC ERGO from last 2 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance policy. A premium of Rs 6000 has to be paid for this insurance and the coverage value is Rs 3-4 lacs.
      Was this review helpful? 0
      , vadodara
      Reviewed on Sep 17, 2018
    • Reliance General Health Insurance
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I've a health insurance policy with the Reliance General Insurance. I am paying a premium of 27000 per year. It is for the entire family. There hasn't been any claim experience so far. I will have to wait and see how they respond to my requests in future if I will have any.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 15, 2018
    • New India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My health insurance is with New India Assurance from last 1 year, i am not aware of the premium amount as my company pays it. I have no claim experience so far with this insurance policy and the coverage value is Rs 2 lacs for individual.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 14, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with Apollo Munich from last 7-8 years, i have no claim experience so far with this insurance policy. I pay a premium of Rs 12000 for this insurance policy and the coverage value is Rs 5 lacs for this policy.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 12, 2018
    • Cigna TTK Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with CIGNA TTK from last 2 years, i am happy with the coverage value of this insurance policy. I pay a premium of Rs 12000 for this insurance policy. I have no claim experience so far with this insurance and the coverage value of Rs 4.5 lacs.
      Was this review helpful? 1
      , bangalore
      Reviewed on Sep 12, 2018
    • Max Bupa Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with MAX BUPA from last 6 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance and i get no claim bonus every year. The coverage value for this insurance is Rs 15-20 lacs.
      Was this review helpful? 0
      , faridabad
      Reviewed on Sep 12, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My health is insured with STAR health from last 1year and it is a good policy to use. It is a family policy where the coverage value is Rs 3 lacs per individual. I do not have claim experience with this insurance and i pay a premium of Rs 15000 for this insurance.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Sep 12, 2018
    • Religare Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Religare from last 1.5 years, a premium of Rs 14000 has to be paid for this insurance policy and it is a family coverage. My claim experience was very good and they covered 100%. Coverage value is Rs 5 lacs +5 lacs (auto refill) for this insurance.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 12, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with HDFC ERGO from last 1.5 months, i am happy with the coverage value of this insurance policy. A premium of Rs 6000 has to be paid for this insurance policy. I have no claim experience with this insurance the coverage value is Rs 5 lacs.
      Was this review helpful? 0
      , palanpur
      Reviewed on Sep 12, 2018
    • ICICI Lombard Health Insurance
      "Normal Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard. I am paying low premium, there hasn't been any claim experience with the policy so far. Considering the premium I pay it has been a normal experience with the policy so far.
      Was this review helpful? 1
      , udaipur
      Reviewed on Sep 11, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the ICICI Lombard, I am paying the premium and I do not have any claim experience with the policy so far. I'll have to wait and see how they respond to my claim requests in future. It has been a hassle free experience so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 11, 2018
    • Star Health Health Insurance
      "Start Health Insurance Fraud"
      0.5 0.5/5 "Unacceptable"
      My father purchased Star health insurance for family safety and was paying premium from last 2 years but when time came insurer refused to give claim stating that throughout the hospitalization and all investigation reports are within normal limits. My brother was admitted in family hospital delhi for 24 hours, doctors diagnosed him and billed approx 13500.
      Was this review helpful? 3
      , new delhi
      Reviewed on Sep 08, 2018
    • Star Health Health Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      Star health is good in the health insurance policy. The medical coverage is good. It is for my family and I and fortunately I had not had a claim experience til date. The premium is normal and there are good benefits too. There is a no claim bonus too.
      Was this review helpful? 1
      , secunderabad
      Reviewed on Sep 06, 2018
    • ICICI Lombard Health Insurance
      "Normal Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard. I am paying a premium 280 per month, for me and family. I do not have any claim experience with the policy. The annual coverage 2.5 Lacs. It has been a hassle free experience with the policy so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 05, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Star health insurance from last 6 months, i am not aware of the premium amount as my company pays it. The coverage value for this insurance policy is Rs 3 lacs and there was no claim experience so far with this insurance policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 05, 2018
    • HDFC Ergo Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      I took health insurance from Hdfc ergo Am satisfied with the premium amount which am making the payment , i don't have claim experience . But this policy hold benefits of cashless hospitalization and network of hospital. Their customer explained the policy very well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 04, 2018
    • Apollo Munich Health Insurance
      "Normal Service"
      0.5 3.0/5 "Satisfactory"
      I have a health insurance policy with the Appollo Munich, I make the premium payments online. So far there hasn't been any claim experience with the policy. I'll have to wait and see how the respond to my claim request If I'll have any in future.
      Was this review helpful? 0
      , guntur
      Reviewed on Aug 31, 2018
    • United India Health Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      I've a a health insurance policy from the United India Insurance company. The company is paying premium and the entire family is covered. It offers an annual coverage of 3 Lacs. There hasn't been any claim experience so far with the policy.,..
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 29, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with National insurance from last 8 months, i am not aware of the premium amount as my company pays it. If i want additional premium then i have to pay Rs 1500. I have no claim experience from this insurance and the coverage value is Rs 3 lacs.
      Was this review helpful? 2
      , ghaziabad
      Reviewed on Aug 29, 2018
    • HDFC Ergo Health Insurance
      "HDFC Ergo is good policy for low sum assured looking person"
      0.5 3.5/5 "Pretty good"
      Recently i brought HDFC ergo health insurance. I was looking for low sum assured policy for my budget. After searching a lot on web i found HDFC's service and credit is good. I hope it will provide good service in terms of claim settlement and renewal premium.
      Was this review helpful? 1
      , surat
      Reviewed on Aug 27, 2018
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