Individuals can buy multiple health insurance plans from different service providers. If the sum insured is greater than the claim amount, the individual can file a claim with either of the health insurance companies. For pre-existing illness, both the insurance service providers will make payments as per their norms.

Can we claim medical bills in insurance?

Reimbursement Claim Process Therefore, the insured has to pay all his/ her medical bills and other costs involved in hospitalization and treatment and then claim reimbursement. In order to avail reimbursement claim you have to provide the necessary documents including original bills to the insurance provider.

Is it good to have two health insurance plans?

Having two or more health insurance plans can be a way to maximize benefits and potentially receive more coverage than if you only had one plan.

What does it mean to have multiple health insurance policies?

Having multiple health insurance policies may mean extra help with medical costs, since dual coverage lets people access two plans to cover healthcare costs.

What happens if I have two dental insurance plans?

As nice as it might sound, dual coverage does not mean you will receive twice the benefits. Depending on your benefit plan and state laws, you may: (i) receive benefits up to the full amount you paid for the procedure, (ii) experience a lesser co-pay than if you only had one plan, or (iii) receive no additional benefit from your secondary plan.

Can you make a medical claim with two insurance companies?

Every week, an expert selected by ET answers queries from our readers on insurance. KG Krishnamoorthy Rao from Future Generali India Insurance answers the insurance queries from our readers. According to Medi-claim insurance rules, one cannot make claims with two insurance companies at the same time. Please tell me more about the rule?