{"id":4599,"date":"2022-07-28T15:26:30","date_gmt":"2022-07-28T09:56:30","guid":{"rendered":"https:\/\/santhoshrcf.com\/?p=4599"},"modified":"2022-07-28T18:35:44","modified_gmt":"2022-07-28T13:05:44","slug":"28jul2","status":"publish","type":"post","link":"https:\/\/santhoshrcf.com\/?p=4599","title":{"rendered":"How to make claim with multiple health insurance policies 28jul2"},"content":{"rendered":"\n

Now a days it is common for people to have multiple health insurance<\/a> policies such as corporate, individual plan, family floater plan, critical illness, top-up plan and super top-up plans. While multiple policies<\/a> enhance your ability to tackle any medical emergency, however, it also creates confusion when the actual need for filing the claim<\/a> arises. <\/p>\n\n\n\n

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Here’s how to go about making a claim if you have multiple health insurance covers.<\/p>\n\n\n\n

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Use the plan with no or least co-payment first: <\/strong>Before deciding which policy to claim first, you must assess the coverage offered by all policies. “You must first consider the total claim amount as well as the sum insured available under the various policies. Examine the policy for any deductibles or co-payment provisions. The policyholder must bear a percentage of the claim amount under the co-payment clause, whereas the deductible refers to the fixed amount of deduction on the claim amount above which the insurer will pay up,” said Chhabra. <\/p>\n\n\n\n

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