Can we avail health insurance from employer and my separate one at the same time ?

POSTED BY Prateek Agarwal ON January 26, 2014 9:45 am COMMENTS (5)

Since joining a PSU company from a private sector, I am continuing one ‘HEALTH INSURANCE’ from ICICI Pru. for me & my family.

My query: Me & my family can still avail the benefits of ‘HEALTH INSURANCE’ from ICICI Pru, apart from the medical facilities already covered by the PSU company or will there be any violation?

5 replies on this article “Can we avail health insurance from employer and my separate one at the same time ?”

  1. divya.advisor says:

    you can buy as many policies as you want. you can even split claims if you want. all up to you

  2. ashalanshu says:

    Dear Prateek, the policy in question is not a regular health plan and in a sense it’s there to provide your lump sum money as and when you file a claim. Please do note these lump sum amount ‘ll be provided to you with out considering your reimbursement from any other health insurance policy. Yes this pay out may be less than your actual requirement. To know it better, please read your policy bond.



  3. ashalanshu says:

    Dear Prateek, health insurance is different from life insurance. In case of health insurance normally only the cost is reimbursed where as in life insurance, you get the sum assured as claim amount.

    Please confirm the policy is from ICICI PRU or from ICICI Lombard?



    1. Prateek Agarwal says:

      Thanks Ashal.
      It is from ICICI Pru.


  4. rahul123 says:

    You can have as many insurance policies as you want.


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