Can I seek health insurance claim from my own company and spouse’s company in case of an exigency? Can I shift to another policy once the limit in one of the policies gets exhausted? -Name withheld on request Yes, you have an option to claim under any one policy or utilise the sum insured under either and claim the balance under the other.
Once you have exhausted the sum insured under one policy, you may opt to claim the balance amount from the other policy, but it may require you to provide the certified copies of the original bills and the copy of actual disbursement by the first insurer, to the second insurer.
Companies may also choose to apply contribution clause, which means that the claim may be paid by each of the policies in the proportion of the respective sum insured.
Additionally, it is wiser to purchase a health top up / super top up policy, which can come in play in case of the base policy sum insured of the company’s insurance cover is exhausted.