Zee Exclusive: How to claim Health Insurance from 2 or more policies?

It is surely not a hassle to file for multiple claims in the same hospitalisation, provided you follow the process to the tee. All you need to take care of is intimating the insurers handling the claim and submitting the right paperwork to each insurer. Keep these things in mind, and your claim would become a breeze.

New Delhi: The second wave of Covid has questioned the entire healthcare system of India. Every medical facility doubling up as a makeshift hospital, longer tenure of hospitalisation and high medical bills; this has increased the incidence of multiple health insurance claims in order to clear the bills! So, yes, if you have multiple health insurance plans, you can choose to claim from any of them, in any proportion, as per your choice. Claims from multiple indemnity health insurance policies could be confusing if one is not aware of the process in its entirety. But if known, it is actually not a difficulty at all. Check out the below mentioned example. Assuming, you have 2 plans of Rs 5 lakh (Plan X) and Rs 5 lakh (Plan Y) each. You incur a single claim of Rs 7 lakh. You have the following options: