4 replies on this article “Multiple Health Insurance policies”

1. ashal jauhari says:

   January 7, 2012 at 4:41 pm

   Dear Pavan, your interpretation is wrong. What I meant was if you have not disclosed to the group policy provided by your employer that you are also having an individual policy, then only you can file claim with the employer policy only.

   In case you are having 2 individual policies, it’s mandatory to file claim with both the insurers & they ‘ll settle your claim on the basis of ratio of respective sum assured in each policy.

   Thanks

   Ashal

   Reply
   1. Yogesh K says:

      January 10, 2012 at 10:09 am

      Hello,

      You have mentioned “In case you are having 2 individual policies, it’s mandatory to file claim with both the insurers & they ‘ll settle your claim on the basis of ratio of respective sum assured in each policy.”
      Regarding this can you please clarify following cases
      1) If company policy is group policy and the one which I have taken is individual policy (not floater) and both from different companies
      2) If I have 2 policies one family floater and other individual and both from different companies

      Also I think for any claim one need to submit original documents (like discharge certificate, hosptital bill). So if th claim is made for one company then for claiming o other company what is the procedure in the absence of original documents.

      Thanks ,

      Yogesh

      Reply
2. ashal jauhari says:

   January 7, 2012 at 4:03 pm

   Dear Pavan Avala, In all probability the employer policy is a group policy, hence it’s advisable to file your claims only with this policy. Please do not file claim to your individual policy.

   Thanks

   Ashal

   Reply
   1. Pavan Avala says:

      January 7, 2012 at 4:20 pm

      My interpretation from your reply is that we have a choice in selecting a policy for claiming.

      Thanks
      Pavan

      Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.