Best Way to Claim Dual Health Insurance for Full Reimbursement
Written By: Mobin
Many people have employer-provided health insurance plus a personal policy. Few know both can be claimed together for full medical bill coverage. Here’s how!
Introduction
If a ₹6L bill exceeds one policy’s limit (e.g., ₹3L), the second policy (e.g., ₹5L) can cover the rest. Proper steps ensure smooth reimbursement.
Example
First, inform the lower-coverage insurer. This unlocks the second policy’s benefits. Missing this step can delay or deny your claim.
Step 1
Request cashless claim approval from the first insurer. If bills exceed coverage, notify the second insurer immediately with full details.
Step 2
Collect hospital bills, discharge summaries, and KYC docs. A settlement letter from the first insurer is crucial for the second claim.
Step 3
Submit all documents to the second insurer. They may request additional verification. Stay patient—processing can take days.
Step 4
After verification, the remaining amount is deposited. Follow these steps carefully to maximize dual insurance benefits!
Final Step
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