I have follwoing 3 questions
1. Person A has two Health Insurance policies. One is company group policy and the other one is individual policy (not floater) and both from different companies. In this case how the claim should be processed in case of hospitalization. Is it mandatory to file claim with both the insurers on the basis of ratio of respective sum assured in each policy?
2. Person B has taken two Health Insurance policies. One is family floater policy and the other one is individual policy and both from different companies. In this case how the claim should be processed in case of hospitalization.
3. For any claim one needs to submit original documents (like discharge certificate, hospital bill). So if the claim is made for one company then for claiming other company what is the procedure in the absence of original documents?