Those who were without health covers went for new plans while those who already had existing coverage either purchased new plans or boosted the coverage through top-up or super top-up plans. Holding multiple health insurance policies from the same or different insurer is perfectly fine.,oof soccer gif
cricket ipl,Yes, you are allowed to use multiple policies, such as the group policy from your employer, your individual health policy, and your top-up health policy, for a single claim.
bodog sports,Let’s say you have an office-provided insurance cover. Say, your employer’s health cover, which promises to reimburse your hospital bills, has a sum insured of Rs 3 lakh. At the same time, you also have your own, personal, health cover – again, reimbursement-based – of Rs 3 lakh. Say, your hospitalisation bill is Rs 2 lakh. In this case, you can choose either of the two policies for the entire claim settlement.
oof soccer gif,Now if your hospitalisation bill amounts to, say, Rs 4 lakh, you can claim Rs 3 lakh under your group cover and the balance Rs 1 lakh under you own policy.
Also, it is worth noting that if your first insurer does not cover a certain type of expense, say pre-hospitalisation tests then in that case you may claim that particular expense from the other insurer.,casino rules
"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.",soccer field
If you have two indemnity policies, you have the right to choose the policy under which you want to make the claim first. If the claim amount is higher than the sum insured under the policy on which you first made the claim, you can claim the balance bill amount on the second policy.
"So, keep that in mind while lodging a claim under two policies. Both the insurers (new and existing) needed to be informed about the other policy." Goel said.
He further added that "In fact, one must be aware of the fact that while taking health insurance, one is required to fill up proposal forms, wherein the insurer asks for disclosure of any existing policy. The main purpose of asking this is because there is a contribution clause in most policies. The contribution clause means that for the same ‘insured interest’ if there is more than one policy, then in case of any claim situation all the policies will contribute in equal proportion to the sum insured.",deccan rummy app
For example, let’s say you have a reimbursement cover of Rs 3 lakh and a fixed-benefit policy of Rs 3 lakh. You undergo some surgery, which costs you Rs 3 lakh. Now, you can claim Rs 3 lakh from your reimbursement policy so that her treatment expenses are taken care of.,eplan website
You can also claim this amount under the fixed-benefit policy. It will come in handy for managing post-surgical recovery expenses, loss of income, and so on. The claim process in the case of fixed-benefit policies is relatively simpler – you simply need to submit photocopies of treatment bills as proof of contracting the illness and the sum insured will be paid to you.,brescia fc