Should I reveal my mediclaim policy given by employer when I am taking new personal health insurance policy?

POSTED BY Anand ON September 21, 2011 12:31 pm COMMENTS (2)

Hi,

I’m planning to take max bupa health insurance policy.

Should I reveal to them that I am already having a cover given by my present employer?

In case hospitalisation happens to me in future, am I at liberty to choose to whom should I submit the claim? to my company so that I enjoy claim-free personal policy?

OR is it compulsory that I should submit the claim to both of them so that they share the price?

Please help me clarify these issues.

 

Thanks

Anand

2 replies on this article “Should I reveal my mediclaim policy given by employer when I am taking new personal health insurance policy?”

  1. Anand says:

    Thanks Abhishek for the reply.

    I have applied online for max bupa policy and I did not reveal company policy in that.

  2. Abhishek says:

    Hi Anand,

    You dont need to declare that you have a company mediclaim policy while taking a independant health insurance policy yourself.

    When there is a claim, you can apply to your company for the claim and if it exceeds you can apply to the health insurance company.

    Regards
    Abhishek

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