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How Can I File Claim for Two Health Insurance Policies?

Published On Jan 11, 2021, Updated On Apr 22, 2021

Health insurance policies come with numerous benefits. And when you have two health insurance policies to cover yourself and your loved ones at the time of need, the benefits get doubled. However, the key thing to remember is that even if you have two health insurance policies from different health insurance companies, you cannot use both to file reimbursement claims for the same expense. In case, your one insurance policy lacks desired coverage you can make use of the other to pay for your remaining treatment expenses.

It is of massive importance to understand that if you have two health insurance policies, then you also have the right to claim either one policy or both. The thing to take note of here is that the actual hospitalisation expenses incurred cannot be more than the amount that you can claim from a policy or two policies.

How Can I File Claim for Two Health Insurance Policies?

In Case of a Cashless Claim

In case of cashless claims, you can use your health insurance policies in two ways. In the first way, you will have to contact the first company, avail claim and procure the claims settlement summary. Then, get the bill copies attested. Once it is done, ask the second health insurance company to reimburse the remaining amount.

In case you get a clear picture of the treatment costs, you can fill both the authorisation forms. Note that the hospital will send a form each to both the insurance companies. Based on the same, both the health insurance companies will settle the bill accordingly, directly with the hospital.

In Case of a Reimbursement Claim

In case a cashless facility is not feasible in the hospital, you will have no option, but to pay the medical costs from your own pocket and then get it reimbursed by the health insurance company. In this case, you will be required to submit the original bills based on which the health insurance companies will reimburse the medical expenses incurred. Please note that the bills will be kept by the health insurance companies.

Using Two Health Insurance Policies for Bill Payment: Understanding With an Example

Let us assume that you have two health insurance policies (cover Rs. 3 Lakh each) that you had purchased from two different health insurance companies. On availing treatment, your total bill came around Rs. 5 Lakh. Now as you want to claim Rs. 5 Lakh, you will have to make use of both your policies. Keep in mind that you will have to submit all the original bills as well as documents to the first health insurance company or the one you prefer more. It is advised to mention the amount you want the aforementioned insurance company to pay clearly. Once your insurance company pays Rs. 3 Lakhs, you will have to get a health insurance claim settlement summary from the insurer and get photocopies of all the bills. Next, get these copies attested by the hospital and submit them as well as the claims settlement summary to the second insurance company so that your second company can pay the remaining amount.


Now that filing claims for two health insurance policies is clear, go ahead and utilize the two health insurance policies that you have in the most beneficial way.

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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