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Date : Oct 3, 2008

Question

I am Covered with Mediclaim from New India Assurance for Self Rs 2 Lacs+ No Claim Bonus of 50000.My Age is 45 yrs I intend to buy a Floater Policy for Rs 4 Lacs for My Family from BajajAllianz. Please Tell Me If I am Hospitalised and I claim a Sum of Rs 5.5 Lacs How both Diff Companies Shall Give me Claim on a Single Discharge paper.

Answer

If you have two health plans and you approach an insurance company to make a claim then both the companies will pay claim on a ratable proportion of your sum insured.

For example with company A you have a sum insured of Rs.5,00,000 and with company B you have a sum insured of Rs.10,00,000. If you make a claim of Rs.3,00,000 then in that case company A will pay Rs.1 lac and company B will pay Rs.2 lac as a proportion of their sum insured shared by two companies.

 

 

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