You need health cover regardless of what you take two at a time - pills or stairs.

Procedure for Health Insurance Claim from Multiple Policies

Policyholders can have any number of health insurance plans. However, they cannot claim reimbursement for the same expense from multiple insurers. If one cover is not sufficient, the other cover can be used to cover the expenses.
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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

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  • HDFC Ergo Health Insurance
    "Very good benefits"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance from HDFC ERGO which was purchased by me in the year of 2018 because the benefits are very good. The claim process was simple and they have more number of hospitals for cashless. I have paid 18,800 for one year and took 3 years policy for myself and my wife. The medical coverage is 10L for myself and 5L for wife.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 14, 2019
  • ICICI Lombard Health Insurance
    "Good Health insurance provider"
    0.5 3.5/5 "Pretty good"
    This policy was part of my employment, I took the medical coverage of Rs. 5 lakhs for the tenure of one year, this medical benefits for my entire. They have good networks of hospital with major disease cover. But I think it doesn't have no claim bonus.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 11, 2019
  • Reliance General Health Insurance
    "On time approval with reliance"
    0.5 4.0/5 "Great!"
    For my spouse operation I used the health policy, I approached them for the claim through hospital. I submitted the form and they send the papers to the Reliance insurance company. I got the cash less treatment, but I paid some amount which was not covered. But they gave me the on time approval.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jan 11, 2019
  • Cigna TTK Health Insurance
    "On time service"
    0.5 5.0/5 "Blown Away!"
    On time Cigna TTK have activated the policy which provided by the company, the policy which I hold it has the coverage of Rs. 4 lakhs its covers for me. They are providing coverage for the pre existing with the tax benefits but there is no claim.
    Was this review helpful? 0
    , dandeli
    Reviewed on Jan 10, 2019
  • Cigna TTK Health Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    In Cigna TTK, they are providing pre existing disease cover, but they don't have no claim bonus features. The response is good they have good customer care working 24/7 , the medical coverage is good for me and entire family. They have many hospital which they got tie up in Mumbai.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 2019
  • Star Health Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    My company has offered a health insurance from Star Health with the coverage of 1L, its for the family, Still I have not used the policy and am gone utilize the policy within 15 days for my family.They covers a major disease. I have called the customer service and the response is good. I am planning to go for reimbursement, they do have minor network of hospitals for cashless. I can recommend after completing my claim.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 09, 2019
  • National Insurance Health Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a health policy from National insurance with the coverage of 2L. It is for the family members and no claim. I never contacted the customer service. Every year it was renewed by the company. They have limited networks of hospitals for cashless. It does not cover only eye problems, if we got admitted in hospital for 24hrs then applicable for claim.
    Was this review helpful? 0
    , pondicherry
    Reviewed on Jan 09, 2019
  • Apollo Munich Health Insurance
    "Good medical cover with Apollo"
    0.5 5.0/5 "Blown Away!"
    I got the medical cover of Rs. 3 lakhs its covers for my four persons, they got tie up with major hospital. I don't have any medical card but if I want to go for claim. There is a person who coordinate for Tata employee. They do have cash less treatment.
    Was this review helpful? 1
    , mumbai
    Reviewed on Jan 09, 2019
  • Star Health Health Insurance
    "Its Good"
    0.5 3.5/5 "Pretty good"
    I have taken the policy personally from my end for my parents. Star Health is providing pre existing disease cover, and major disease cover like heart disease and they do have no claim bonus. Senior citizen plan is good for the elders it has the medical coverage value around Rs.3 lakhs.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 09, 2019
  • review Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been taken my health insurance with Adiyta birla health insurance, i have taken this insurance for all my family, per annum it is 25,00,000 policy coverage is there , and i have not yet took any claim yet, and there is tie up with many hospital and they have shared me those hospital location, the premium amount they have charged me up to 6000 for two years ,i use to pay.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Jan 08, 2019
  • Star Health Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance policy with Star health from last 2 years, a premium of Rs 13000 has to be paid for this insurance policy. I have no claim experience so far with this insurance. They gave a coverage value of Rs 6 lacs and it is for family.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 08, 2019
  • Star Health Health Insurance
    "Good but need to improve little communication with the custo"
    0.5 4.0/5 "Great!"
    My health insurance policy was bought from Star. I did not have any claim experience so far. From 2009 onwards i have been renewing the policy with Star. They have to give free health check up to the pre-vilege facility. I purchased this policy for my family. Yearly i pay the premium of Rs. 10000 for the coverage value of Rs. 5 lakhs.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 08, 2019
  • Max Bupa Health Insurance
    "Costly policy"
    0.5 3.0/5 "Satisfactory"
    I have taken my health insurance policy with Max bupa. I have renewed the policy for last 3 years. I had a claim experience and it was fine. I had no issue with the claim sanction. The premium amount is higher hence i have shifted into other company. They have given me a 100% coverage amount. The maternity benefits has been covered in this policy, hence i have chosen this policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 07, 2019
  • Star Health Health Insurance
    "Average service"
    0.5 3.0/5 "Satisfactory"
    I have been using health insurance with Star health insurance, and there service is not up to the mark, like i wanted to claim for this insurance, like my daughter met with accident so i taught to claim this insurance ,they said after 3 years only i can apply this claim , and previously they have charged me up to 5,500 -5600 but now they are charging me up to 8,000-9000 on yearly basis.overall service is good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 07, 2019
  • SBI General Health Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    Along with my credit card, they have provided me this health insurance policy with SBI. I am not sure about the premium amount and coverage value. The premium has made through credit card. I have to check the hospital details. I had no claim experience with this policy.
    Was this review helpful? 0
    , thane
    Reviewed on Jan 04, 2019
  • Bajaj Allianz Health Insurance
    "Good Claim Experience"
    0.5 5.0/5 "Blown Away!"
    From Bajaj I got the medical policy with the value of Rs. 3 lakhs, its covers only for me. I done the claim because I had throat infection, I have admitted in hospital around 4 days, they gave me the cash less treatment. They have given the card I gave to the hospital member they gave me the treatment. Only admiration charges have paid from my end, remaining all taken care by the insurer.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 04, 2019
  • United India Health Insurance
    "Better"
    0.5 4.5/5 "Excellent!"
    I also have a health insurance from United India which was offered by company. It covers 5 members of my family. The medical coverage is 5L for the family. The premium was paid by the company which I don't know the figure. I have no claim experience. They have good network of hospitals for cashless.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 04, 2019
  • Chola Ms Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    When I have taken a SBI credit card and they have issued me a health policy from Cholamandalam. They have deducted around 4000 rupees for one year as a premium. I got the insurance paper and have no claim. The medical coverage is 1.25L. Once I go for claim can give better feedback.
    Was this review helpful? 1
    , pune
    Reviewed on Jan 04, 2019
  • Tata AIG Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance policy with TATA AIG , this policy cover accident claim and there customer support team have explain me about this policy and the premium i pay per year it nominal, i pay through on line, till now there service was good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 02, 2019
  • Future Generali Health Insurance
    "Good service"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance with Future Generali Insurance from long time, and there service is good, there premium amount they have charged me was nominal and it is to get auto debited on yearly bases, and I do not have any claim experience but in terms for the features it is a good policy to have. It has been a very good experience with the Future Generali.
    Was this review helpful? 0
    , surat
    Reviewed on Dec 30, 2018
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