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Can I buy health insurance policies from different companies? How will they pay my claims?

If you had two health insurance policies from two different insurers and were to put in a claim for, say, hospitalization expenses, each insurer would then pay a ratable proportion of the cost.

Apnainsurance.com Research Bureau

05 Dec 2007

Yes, you can buy health insurance policies from different companies.

If you had two health insurance policies from two different insurers and were to put in a claim for, say, hospitalization expenses, each insurer would then pay a ratable proportion of the cost.

To illustrate, suppose you have health insurance policies for Rs. 100,000 each with Company A and Company B. In the event of a claim, each insurer will pay in the ratio of 50:50 up to the sum insured.

See also:

How do I intimate the insurance company of my hospitalization if it is an emergency?

Will a health insurance policy provide for the loss of my earnings?

Are there any advantages of getting admitted to a hospital that the insurer has a tie-up with?

Miscellaneous Health Insurance FAQs

Health Insurance FAQs about Coverage

Health Insurance FAQs about Claims

Health Insurance FAQs about Premiums




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