Watched your video for the first time and really appreciate the information you are providing. I have a question. If I hv base policy of 20 lacs and super topup of 50 lacs with agregate deductible of 5 lacs. If there is a claim of 70 lacs, can I claim 20 from base and then remaining from supertopup? Or the supertopup company will say that we will consider deductible of 5 and because your have paid more than deductible, we will only pay 50-20=30 lacs only?
Yes, you can very well clim 20 lacs from base and rest from super top up. Deductible is the minimum threshold that needs to be crossed to use the cover. They can't deny claim with this reason.
@gurleenkaurtikku I really loved your videos. It's very informative. I have a National Insurance Mediclaim family cover (hunsband+wife+son+daughter) of Rs. 3 lakhs SA. But I have seen that even if I go cashless or if I go on reimbursement always I have to pay from my pocket because the bill is too high as you know the Hospital charges more when they come to know that we have a mediclaim. Also, the per day bed limit is just 1% and even for the rest of the things there are percentage limits which really don't benefit us. The doctors visiting fees and pathology cost are also not covered? What to do? Please advice
Mujhe pre & post hospitalization claims k bare janna hai. Abhi mera cashless 'settle' nahin hua hai. Isliye ek mahine se main pre-hospital expense claim nahin kar pa raha.
I have one in star and one in care .care gives 10 lakhs total and star gives 60 percent from red carpet. Should I keep both or just care which gives total 10 @@GurleenKaurTikku
From your video, i understand that both insurance companies from whom, say i hv taken base health insurance policies, will hv to be informed about the other company's policy.
Beautiful explanation Gurleen, I've been seeing your videos and had this question : I have 2 health insurance policies, one is from a corporate company health insurance upto 3lacs cover, another is my private insurance based in my salary account, which is a deductible health insurance, which is 3 lac deductible and cover upto 30 lacs+accidental death cover of 30 lacs, so if in case i am hospitalised and my bills are 10 lacs, Can i use my corporate insurance for 3 lacs and 7 lacs from the other insurance?
Mam agar ek health insurance cover hai aur ek fixed benefit like lic arogya to dono ka benefit milega, bhale hi pehli company se pura settle ho gaya ho fir bhi?
I am very happy with the information you have provided here. Thank you! However, I have one question regarding my maternity expense claim. The total expense was ₹86000. My corporate insurance has a limit of ₹75000, and my wife’s corporate insurance has a limit of ₹50,000. I applied for a claim with my corporate insurance first, submitted all the documents online, and received an approved claim of ₹67000 without needing to submit physical documents. This leaves a balance of ₹19,000 (₹86000- ₹67000 ), which I plan to claim from my wife’s insurance. However, the ₹19,000 balance falls under categories that are not claimable as per her policy. My question is: Can I claim the full amount (₹86000) from my wife’s insurance company? Your advice on this would be greatly appreciated. Thank you!🙏
I have two policies - a corporate policy of 5L and a retail policy with 1L deductible. The corporate policy doesn't cover for the non- medical expenses (consumables), but my retail policy covers all such expenses. Can i claim for non- medical expenses from the retail policy?
@@GurleenKaurTikku also, appreciate your efforts and thanks for revealing towards the end of the video 😅, i thought how is she able to speak it all in one go without any slip of tongue or errors😅 , gonna follow you for more information 😁 great efforts
Very clear & concise. Thank you for the info. Doubt regd cashless feature: Once cashless feature is already excercised on base cover, can we not apply for cashless again on super top up policies?
I just came to know about a new condition of claiming from two policies. I settled my cashless hospitalization claim from my corporate insurance. Now I wanted to claim post hospitalisation period bills from my personal plan as it has 180 days post period but that company folks saying that this is not acceptable. Only the company which settled the hospitalisation will reimburse bills of post period. Shocking for me as that medicine expense is big. 😪
Mam agr two health insurance hai to usme alg alg Accident cover hoti hai to kya dono Health insurance ka Agr koi Accident krta hai to dono policy se payout hoga
Thanks for sharing the information Could please help me with below concern: Is it possible to claim maternity expense of 1.5 L if husband and wife both have respective different corporate policy and husband policy cover maternity expences upto 60000 and wife's 70000.
Very informative video. I have 1 case study which happened to me. Me and my wife both have separate-separate corporate health insurance from different companies. I was hospitalized and due to lack of timing could not go for cashless. When I applied for reimbursement at my health insurance TPA, they kept on asking multiple documents. Ultimately they repudiated my claim. In this whole hassle, 30 days has already passed from date of discharge. Now, I cannot go to my wife's insurance provider for claim rreimbursement. What should be done here? Should I raise complain somewhere for their lack of timely settlement?
Is buying health insurance from BOI PNB UNION or like any bank is that safe for continuity benefit ... The plan looks cheaper than we buy it directly from Insurer....please please advise....
If all dic. Submitted to insurance co. N insured have photos s only, on reimbursement , how insurance co. Pay the amount r crosscheck with third party... Need doc. For crosscheck on basis of that how claim settled ri inflation of bill seen from hospital side
Agar kisi n 2 diffrent company se accidental policy krwa rakhi h or uski accidental death ho jati h to use 2no policies k paise milenge ya proportion m milega?
Depends on your policy's terms & conditions. Please connect with the insurance company directly for more clarification & check whether maternity benefits are covered or not.
Hi, after watching your video I've a very important question. See I've 2 health insurance policies. But at a time of purchase I don't know that it's important to disclose. So what now, what's my ways to inform? Any other replies?
Saying claim from 2 policy is easy,but how will you provide discharge papers parallely to each insurer??won't they ask for any paperwork and claim approval... Curious to know the process of claiming via 2 policies...and that tooo if one policy we opt for deductible
Hi Ma'am. I need one help. I have corporate insurance which has 20% co pay. Can I go with cashless and rest 20% can I claim in another insurance policy?
Iam echs ( ex defence personal )beneficiary with 50% claim entitlement if refered by echs to empanelled hospitals how one can claim remaing 50% from medical insurance policy?
Namaskar, mai bengal se hu, mera bengal sarkar se diya hua ek health card hai, ushme five lakh ki value hai, aur ek policy hai reliance ka jo three lakh ki hai. mai dono ko ek saat use kar sakta hu? Please bataiye ga mujhe. Bengal sarkar sob public ko diya hai health card free of cost, ohi card mujhe bhi mila hai.
I want to know if someone gets a health policy and after 3 months of issuing the policy one gets diagnosed with type 2 DM and Chronic liver disease, so will the policy cover?
Very informative video!! I have a question. Generally hospitals do not entertain multiple policies in case of cashless. They say that we will file cashless claim with only one insurance company. In this case, do I only have the option to file reimbursement with the second company or is there a way I can make the hospital file cashless with both companies?
You can file reimbursement for one if there is an issue in claims by the hospital. Each hospital has it's own terms & conditions. Also, we are glad that you found our video informative ! Keep Watching !
Hi Gurleen, thanks for the nice detailed video. I had one question for you? Are we supposed to inform all the insurance companies in advance that we have multiple health policies in place? Is there any such clause?
Medam m swiggy or zomato Dono m kam karta hu Or dono m OPD/IPD/OTH Health policy h dono active h Abhi m 24 hours hospitalization raha hu or bill kuch 9000 samthing h To kya mujhe dono m apply kr du or kya mujhe dono s 9000+9000 Milenge kya Swiggy reliance s h Or zomato acko policy h Please answer please
Mujhe aap se yeh janna hai ki Exidental insurance ki policy do alug alag ki le rkhi hai ek 50 Lakh ki hai ek 25 Lakh alug alag company ki le Rakhi aur ITR 5 Lakh se above hai Sarvic kerte hai to kya hum dono company ki policy mai claim ker sakte hai kya please clear kijiye please hum ko yeh janna bahut hi jayada jaruri hai please i am riqwest kerta hai please
I was recently got injected and my health insurance waiting period is not done so i was paid full amount for surgery . Because of that i was took personal accidental insurance and loan insurance when i applied for loan.do they all i can claim if any thing happened ? Like claiming health insurance for treatment Personal accidental insurance for rest period like they will give some amount because of i don't have income in that rest time . And loan insurance like they will pay my emis until my rest period ? If they all not apply means i will cancel loan insurance .
Does this can also happen in government sector, I mean I am a government officer, so can I first reimburse from the government and then claim the rest amount through my health insurance plan
Hello i have a question related to insurance Me and my husband working in different organisation my claim limit is 60k and mu husband claim limit is 80k the bill amount is 150 k can we use both of our insurance
I have 2 insurance policy 1st is corporate policy provided by the employer 2nd is personal policy purchased by self. Now i had a surgery few days back which costed around 3 lakhs, so is it possible to get 3-3 lakhs from each insurer? What if i have already submitted the claim for reimbursement to both the insurer? Please reply and answer my question Ma’am.
Mam , Watched your videos to decide which Insurance policy suits me , have a question I have corporate Policy of 3L , So while buying my personal health insurance can i opt for Aggregate deductible option and the deductible 25K can i claim from my corporate Policy in case i have a claim in policy year
Hello I have 2 mediclaim policy 1st is individual sum ins 5 lac,n 2 nd is corporate sum ins 50k .I have used my individual policy .if hospital bill is 30 to 40 k .so can I reimbursed to corporate policy..
One of friends’ mom got eye treatment recently and the bill will be adjusted with the elder son’s corporate health insurance but it is covering only 50% of the amount. Her daughter(my friend) also has a corporate insurance … my que is , can my friend claim half of the amount using her corporate insurance??
Nahin jee, Health insurance is an indemnity policy. You can not make benefit out of your insurance policies and can not claim same amount from bith the companies
My mom had a minor brain stroke..star , icici,care did not allowed to purchase fresh policy stating it as a critical illness. niva bupa saying they can issue policy considering it as a PED so once they issye policy later at any stage i can port to other companies as per irdai norms still they can reject porting stating they do not entertain new customers with brain stroke
Portability for any policy is subject to the insurance company's medical underwriting team. It may / may not be accepted in portability by a new company
Hi mam, Mujhe aapse ek bat puchni thi ki mere papa pehle army mein the uske baad rbi bank mein the.. 2 month pehle unka ek surgery hui To mujhe puchna tha ki Army hospital se reimbursement form feel Kiya to wo log government ke rule wise bill denge matlab jitna huva utana nahi dende qki humne private mein admit Kiya tha so .. Lekin RBI ka bhi reimbursement hai to dono jagah se claim kr sakte hai kya? Qki ECHS Jo army hospital ka card usme bhi unke paise cut hote hai .. Aur ab RBI ka medical ka card bhi udhr bhi reimbursement process hai..
Hello.very informative video. I have a doubt. If we have personal health insurance policy with deductible of 25k and we decide to use corporate policy for deductible amount. In case of 1st claim of 25k do we need to take claim settlement certificate from corporate insurance to prove that we have paid our deductible portion of the year and insurance company needs to pay for further claims?
Hi, You have almost cleared all the doubt. But, I also have the same doubt. I have a deductible of 1 lakh in my personal mediclaim. So, whether I have to take a claim settlement certificate and I have to submit it to my personal insurance claim? Thank you in advance..🙏
In d above example if claim amount is 1 lakh, can u claim 1 lakh from each of d 3 companies. If not why? Also if settled cashless can we take fresh originals cert frm hospital and submit to other company fr reimbursemnt?
Manoj jee, it is an extra effort to file 1 lac from 3 different companies, why would you do that. If single policy has limit of 3 lacs , then ideally it should br from single company. Also, original documents are given only once by hospitla, others are duplicate - please refer thr process mentioned in the video to claim from 2 companies
@@GurleenKaurTikkuThanks Gurleen jee. But this is unfair like if you hav 2 term insurance you can claim both, but why not for health..... Whn health insurance premiums are almost 2-3 times that of term. Also which govt authority can be approached regrdng ths?
We will suggest to have an individual policy & not depend on corporate insurance completely. Please check this video : ruclips.net/video/yUoD9U_Bqm0/видео.htmlsi=OuFvK7Ji9wKs5rp_
I have a question if anyone have 2 different policy...if in case i m using 1 policy...if I showing all the Bill to 2nd insurance company can it will Rembrush or not??
Dear Mam, If I buy critical illness standalone policy from HDFC ergo, can I port it in future to another insurer. Or if it is not allowed. Can I stop the renewal of this and buy another critical illness policy from another insurer. Is there any drawback of the same.
Hello Mam, I have one query my health claim. I was admitted to emergency surgery and was in hospital for 4 days. Total bill was 1.7 lakhs .I have two policies of an insurance company A) Health insurance B) Hospital cash insurance. Hospital was not Network hospital. I had filled for two Reimburment claims one for Health and other for Cash claim. Company has given only one claim of cash 12K. Remaining amount 1.58K company is not giving reply on the same from last 1 month. I had decided to approach Company GRO for the same. My query is whether I will get the remaining amount from insurance company /not?
Can we claim personal accident claim from 4 insurance companies? My uncle taken 4 policies and he expired in accident. Total amount of claim from 4 company amounts to 60 lakhs and yearly income 4 Lakhs. Please guide
Nice n informative video,1 query mam my parents are having health ins from National insurance,this year my mom hospitalised n claim was settled according to 2 years back sum insured because of pre-existing conditions. Terms and condition was different in 2019-20 than in 2021-22.They are considering sum insured of 19-20,i want to know according to which T& C will claim be settled,is it according to 19-20 T&C or those in 21-22. Pls clarify
So, Health insurance contact is usually 1 year contract and renewed every year, if there has been changes in the T&C, new T&C will be applicable form that year
@@GurleenKaurTikku thanks mam for prompt reply ,1 more question ,it will be great to see your reply. My mom has purchased star health comprehensive policy on 12.1.22 and my mom is detected with cancer on 8.8.22,nearly 7 months after the first inception date. Will i be given claim for treatment of cancer or not. Pre existing disease that were declared at inception was diabetes ,cholestrol and bp
Hi. A very informative video indeed. I just had one minor doubt that there are room limits in health insurance. So suppose if I had a room limit of 6,000 from personal insurance & I booked a room for around 8,000. Then can the pro-rata adjustment of the whole bill + the difference amount be paid by my other insurance (corporate)?
aap same amount 2 companies se claim nahin kar sakte, agar apka claim amount zyada hai and single policy se nahin ho raha , then you can claim from 2nd company
Mam supposse mera bill aya 40k ka mene b reiumberse ke liya dala aur wife ne b apne TPA ka reiumbrse ke liye dala toh , maternitye ka reiumbrse dono ko mil skta he kya for 40k
I have made first Claim in corporate with claim amount being 286000 and after Co pay 15% and non-payable i have received 236000, then i applied the balance amount hoping to get the copay amount from my reliance health gain . but now reliance is denying that the claim is already settled. are they saying is correct and what about this clause in policy wording " section 5.1.5 Insured Person having multiple policies shall also have the right to prefer claims under this Policy for the amounts disallowed under any other Policy / Policies even if the Sum Insured is not exhausted. Then the Insurer shall independently settle the claim subject to the terms and conditions of this Policy." Can u give your view on this
Watched your video for the first time and really appreciate the information you are providing. I have a question.
If I hv base policy of 20 lacs and super topup of 50 lacs with agregate deductible of 5 lacs. If there is a claim of 70 lacs, can I claim 20 from base and then remaining from supertopup? Or the supertopup company will say that we will consider deductible of 5 and because your have paid more than deductible, we will only pay 50-20=30 lacs only?
Yes, you can very well clim 20 lacs from base and rest from super top up.
Deductible is the minimum threshold that needs to be crossed to use the cover. They can't deny claim with this reason.
@gurleenkaurtikku I really loved your videos. It's very informative. I have a National Insurance Mediclaim family cover (hunsband+wife+son+daughter) of Rs. 3 lakhs SA. But I have seen that even if I go cashless or if I go on reimbursement always I have to pay from my pocket because the bill is too high as you know the Hospital charges more when they come to know that we have a mediclaim. Also, the per day bed limit is just 1% and even for the rest of the things there are percentage limits which really don't benefit us. The doctors visiting fees and pathology cost are also not covered? What to do? Please advice
Kafi bariki se sab kuchh btaya, har ek second aapka informative tha.. excellent mam..
Very nicely and simply explained with examples
Glad you liked it, keep watching !
Aap ne firse mere liye video banake rakha hai..Maine socha tha iss topic pe aapne nahin banaya hoga!!
Hahah, thank you & keep watching !
Also, do Subscribe for more such informative content.
Mujhe pre & post hospitalization claims k bare janna hai. Abhi mera cashless 'settle' nahin hua hai. Isliye ek mahine se main pre-hospital expense claim nahin kar pa raha.
Thank you so much, there were many queries whose ans i couldn't find any where on RUclips i found here. Subscribed.
Glad, thank you so much & keep watching !
Very Good Explanation Madam! I have got the exact information from this video which was required. Thanks once again.
Glad it was helpful !
Keep Watching 😊
I have one in star and one in care .care gives 10 lakhs total and star gives 60 percent from red carpet. Should I keep both or just care which gives total 10 @@GurleenKaurTikku
From your video, i understand that both insurance companies from whom, say i hv taken base health insurance policies, will hv to be informed about the other company's policy.
Thank you jee, keep watching !
Watched your video madam for first time , and it was really helpful and informative...
Glad to hear that, keep watching !
Hi can I claim the co-payment pending from my corporate policy using my personal retail policy?
Yes, I got 👍🏻
Just what I wanted, perfect mam, very clear.
Glad to hear that 😊 Keep Watching
02 Policy hai health or Accidental to dono jagah se same bill se claim kar sakte hai.?
Beautiful explanation Gurleen, I've been seeing your videos and had this question : I have 2 health insurance policies, one is from a corporate company health insurance upto 3lacs cover, another is my private insurance based in my salary account, which is a deductible health insurance, which is 3 lac deductible and cover upto 30 lacs+accidental death cover of 30 lacs, so if in case i am hospitalised and my bills are 10 lacs, Can i use my corporate insurance for 3 lacs and 7 lacs from the other insurance?
Hi Thanks for the information
Can we claim the copay amount from first Insurance to the secondary insurance as part of partial claim ?
Yes, you can
Very interesting and relevant topic.
Thank you so much, keep watching !
Thanks for the detailed explanation.
Glad it was helpful!
Ma'am suppose if there are two policies and 1st one has been reimbursed or settled can we get the 2nd policy reimbursed partially?
Very good video 👍👍
Thank you 👍
Mam agar ek health insurance cover hai aur ek fixed benefit like lic arogya to dono ka benefit milega, bhale hi pehli company se pura settle ho gaya ho fir bhi?
I am very happy with the information you have provided here. Thank you! However, I have one question regarding my maternity expense claim. The total expense was ₹86000. My corporate insurance has a limit of ₹75000, and my wife’s corporate insurance has a limit of ₹50,000.
I applied for a claim with my corporate insurance first, submitted all the documents online, and received an approved claim of ₹67000 without needing to submit physical documents. This leaves a balance of ₹19,000 (₹86000- ₹67000 ), which I plan to claim from my wife’s insurance. However, the ₹19,000 balance falls under categories that are not claimable as per her policy. My question is: Can I claim the full amount (₹86000) from my wife’s insurance company? Your advice on this would be greatly appreciated. Thank you!🙏
@GurleenKaurTikku, Can you please help me in this?
I have tata aia comprehensive 25lakh (acc+term)policy, then i took star assure 5lakh floater. Kya mai pahela tata ka plan close karu?
My question is that.
I have a two 2 health insurance.
a. Corporate
b. Navi
May I claim both policy.
First cashless and 2nd Rembersment.
Suggest pls
Because I am paying money for last 6 yrs.
I have two policies - a corporate policy of 5L and a retail policy with 1L deductible. The corporate policy doesn't cover for the non- medical expenses (consumables), but my retail policy covers all such expenses. Can i claim for non- medical expenses from the retail policy?
what is the step you took? I am in the same boat
any update on this?
Mam aap Future generali health insurance ke upr kuch details video uplode kor na plz
Sure, thanks for the suggestion !
Thank you😃 very informative
Glad it was helpful !
@@GurleenKaurTikku also, appreciate your efforts and thanks for revealing towards the end of the video 😅, i thought how is she able to speak it all in one go without any slip of tongue or errors😅 , gonna follow you for more information 😁 great efforts
@@sumitsingh9987 Thanks a lot ! Keep Watching :)
Very clear & concise. Thank you for the info.
Doubt regd cashless feature: Once cashless feature is already excercised on base cover, can we not apply for cashless again on super top up policies?
Yes, we can apply cashless for super top up policy also.
In case of planned operation , should I intimate both companies for cashless settlement beforehand ? Please advise ...Thank you , mam
Ye maternity policy me bhi applicable hota hai?
Mam , kya co pay ... Ek insurance company ki dusri company se claim krsakte hai ....please bateye
I just came to know about a new condition of claiming from two policies. I settled my cashless hospitalization claim from my corporate insurance. Now I wanted to claim post hospitalisation period bills from my personal plan as it has 180 days post period but that company folks saying that this is not acceptable. Only the company which settled the hospitalisation will reimburse bills of post period. Shocking for me as that medicine expense is big. 😪
Yes before claiming for pre post u need hospitalization claim from that policy
In future divide the claim into two and claim from both
Mam plz make a video on LIC AROGYA RAKSHAK
Hi, we have already made a video on our channel. Please check this link : ruclips.net/video/ARts_tP7Lxg/видео.html
Thanks
Mam agr two health insurance hai to usme alg alg Accident cover hoti hai to kya dono Health insurance ka Agr koi Accident krta hai to dono policy se payout hoga
Question:
In such scenarios of claiming from two companies,
Will second company honor pre-post hospitalisation claims?
Medam mere pas personal accident ki 4 policy hai aur injury ka claim aaye to aall co. Pay karegi ya nahi
how to claim pre and post hospitalization after 1 cashless done and other reimbursement. but in 1st cashless pre and post is not mentioned
Thanks for sharing the information
Could please help me with below concern:
Is it possible to claim maternity expense of 1.5 L if husband and wife both have respective different corporate policy and husband policy cover maternity expences upto 60000 and wife's 70000.
Can i file claim for reimbursement in the condition of LAMA. It is mentioned on discharge summary. Please reply?
How to get claim settlement letter? Do they provide it by default or we have to ask it adhocly
Care plus पर भी video बनाइये
Okay, Thanks for the suggestion !
Thanks a lot for such an informative video.
Most welcome jee :)
2:19
Madmji,
A se 2 lakh
B se 3 lakh
C se 4 lakh
Total claim 9 lakh ka claim le sakate hai kya?
3 he policy par ek sath pura claim le sakte hai kya?
Very informative video.
I have 1 case study which happened to me.
Me and my wife both have separate-separate corporate health insurance from different companies.
I was hospitalized and due to lack of timing could not go for cashless.
When I applied for reimbursement at my health insurance TPA, they kept on asking multiple documents. Ultimately they repudiated my claim. In this whole hassle, 30 days has already passed from date of discharge. Now, I cannot go to my wife's insurance provider for claim rreimbursement.
What should be done here? Should I raise complain somewhere for their lack of timely settlement?
Why has they repudiated your claim?
If the reason is only incomplete documents, You can approach your health insurer again with required documents and request them to resubmit the claim
Is buying health insurance from BOI PNB UNION or like any bank is that safe for continuity benefit ... The plan looks cheaper than we buy it directly from Insurer....please please advise....
Wow. Nice Hacks..
Thank you so much !!
If all dic. Submitted to insurance co. N insured have photos s only, on reimbursement , how insurance co. Pay the amount r crosscheck with third party... Need doc. For crosscheck on basis of that how claim settled ri inflation of bill seen from hospital side
Madam what if have base policy and top up policy from two different co. Pl guide,
Yes, can have this.
Claims will be paid as per both policies terms and conditions.
Agar kisi n 2 diffrent company se accidental policy krwa rakhi h or uski accidental death ho jati h to use 2no policies k paise milenge ya proportion m milega?
Mere pass 2 group policy h ek husband ki ek meri office ki to me dono compnay se maternity benefit le skti hu ?
Depends on your policy's terms & conditions. Please connect with the insurance company directly for more clarification & check whether maternity benefits are covered or not.
Hi, after watching your video I've a very important question. See I've 2 health insurance policies. But at a time of purchase I don't know that it's important to disclose. So what now, what's my ways to inform? Any other replies?
Can one claim 50-50% of expense in both i.e from Ayushman card and also from private health insurance?
Saying claim from 2 policy is easy,but how will you provide discharge papers parallely to each insurer??won't they ask for any paperwork and claim approval...
Curious to know the process of claiming via 2 policies...and that tooo if one policy we opt for deductible
Mere pass corporate bhu hai lekin usme copay hai to or retail wali me deductable 50k hai tho kaise karee
Hi Ma'am. I need one help. I have corporate insurance which has 20% co pay. Can I go with cashless and rest 20% can I claim in another insurance policy?
I have same question.. is it possible?
@@shipradhingra2000 yes possible. Done it recently m
Iam echs ( ex defence personal )beneficiary with 50% claim entitlement if refered by echs to empanelled hospitals how one can claim remaing 50% from medical insurance policy?
Namaskar, mai bengal se hu, mera bengal sarkar se diya hua ek health card hai, ushme five lakh ki value hai, aur ek policy hai reliance ka jo three lakh ki hai. mai dono ko ek saat use kar sakta hu? Please bataiye ga mujhe. Bengal sarkar sob public ko diya hai health card free of cost, ohi card mujhe bhi mila hai.
Mein aur meri patni dono corporate me job karte hy kia hum 1 bill do baar claim karsakte hy
no, you can't
I want to know if someone gets a health policy and after 3 months of issuing the policy one gets diagnosed with type 2 DM and Chronic liver disease, so will the policy cover?
Very informative video!! I have a question.
Generally hospitals do not entertain multiple policies in case of cashless. They say that we will file cashless claim with only one insurance company. In this case, do I only have the option to file reimbursement with the second company or is there a way I can make the hospital file cashless with both companies?
You can file reimbursement for one if there is an issue in claims by the hospital. Each hospital has it's own terms & conditions.
Also, we are glad that you found our video informative !
Keep Watching !
Mam mera corporate insurance 2.5lac hai or personal insurance 5 lac hai muze meri mother ka op. Krwana hai uska charge 50k-60k hai konsa better rhega?
wife and husband have their corporate insurance and how to claim for the same reason?
Hi Gurleen, thanks for the nice detailed video. I had one question for you? Are we supposed to inform all the insurance companies in advance that we have multiple health policies in place? Is there any such clause?
Medam m swiggy or zomato
Dono m kam karta hu
Or dono m OPD/IPD/OTH
Health policy h dono active h
Abhi m 24 hours hospitalization raha hu or bill kuch 9000 samthing h
To kya mujhe dono m apply kr du or kya mujhe dono s 9000+9000
Milenge kya
Swiggy reliance s h
Or zomato acko policy h
Please answer please
Mujhe aap se yeh janna hai ki Exidental insurance ki policy do alug alag ki le rkhi hai ek 50 Lakh ki hai ek 25 Lakh alug alag company ki le Rakhi aur ITR 5 Lakh se above hai Sarvic kerte hai to kya hum dono company ki policy mai claim ker sakte hai kya please clear kijiye please hum ko yeh janna bahut hi jayada jaruri hai please i am riqwest kerta hai please
can i claim co-pay of one company into another health insurance company.
What if corporate cover has copay? Will 2nd company pay copay amount?
No, co pay amount won't be paid.
Can we get bills for cashless claim in hospital
Mere pass hospital daily cash policy hai kya me sabse benefit le sakta hu
Thanks for the information.
Thank you & keep watching !
Hi, if i have a corporate and personal polocies, is it required to inform both the companies that i am holding more than 1 policy?
Not necessary
I was recently got injected and my health insurance waiting period is not done so i was paid full amount for surgery . Because of that i was took personal accidental insurance and loan insurance when i applied for loan.do they all i can claim if any thing happened ?
Like claiming health insurance for treatment
Personal accidental insurance for rest period like they will give some amount because of i don't have income in that rest time .
And loan insurance like they will pay my emis until my rest period ?
If they all not apply means i will cancel loan insurance .
Madam whether can we take cashless on both.?
Does this can also happen in government sector, I mean I am a government officer, so can I first reimburse from the government and then claim the rest amount through my health insurance plan
Yes, it can be done.
I wonder how it can be done? Because original documents are taken by the reimbursement agency.
Hello i have a question related to insurance
Me and my husband working in different organisation my claim limit is 60k and mu husband claim limit is 80k the bill amount is 150 k can we use both of our insurance
I have 2 insurance policy
1st is corporate policy provided by the employer
2nd is personal policy purchased by self.
Now i had a surgery few days back which costed around 3 lakhs, so is it possible to get 3-3 lakhs from each insurer?
What if i have already submitted the claim for reimbursement to both the insurer?
Please reply and answer my question Ma’am.
No, you can't claim same amount from both the policies. You can not make benefit out of your insurance policies
If we had two hospital cash plans . Can we claim for both at the same time?
Hy
i have my base policy and Top up policy is of Different Companies Can We Claim From Both ?
Yes, you can 😊
Mam , Watched your videos to decide which Insurance policy suits me , have a question
I have corporate Policy of 3L , So while buying my personal health insurance can i opt for Aggregate deductible option
and the deductible 25K can i claim from my corporate Policy in case i have a claim in policy year
Can I get Shop insurance from two companies?
Hello I have 2 mediclaim policy 1st is individual sum ins 5 lac,n 2 nd is corporate sum ins 50k .I have used my individual policy .if hospital bill is 30 to 40 k .so can I reimbursed to corporate policy..
One of friends’ mom got eye treatment recently and the bill will be adjusted with the elder son’s corporate health insurance but it is covering only 50% of the amount. Her daughter(my friend) also has a corporate insurance … my que is , can my friend claim half of the amount using her corporate insurance??
If TPAa are different vs inhouse then both claims if are reimbursement still processes are seamless or mature to handle it with a month or so?
If your hospital has tie up with both the insurance companies, then it can be cashless , otherwise reimbursement
Accident policy me 2 companies me claim kar sakte hai kya
kar sakte hain, apki financial eligibility check ki jayegi claim ke time par ki aap financially eligible the 2 policies lene ke liye
If i have my policy and used 1L cashless and want to claim remaining amount from my brothers policy please help me
Can we claim
Kya hum dono se hi same amount le sakte Hain
Nahin jee, Health insurance is an indemnity policy. You can not make benefit out of your insurance policies and can not claim same amount from bith the companies
My mom had a minor brain stroke..star , icici,care did not allowed to purchase fresh policy stating it as a critical illness. niva bupa saying they can issue policy considering it as a PED so once they issye policy later at any stage i can port to other companies as per irdai norms still they can reject porting stating they do not entertain new customers with brain stroke
Portability for any policy is subject to the insurance company's medical underwriting team. It may / may not be accepted in portability by a new company
@@GurleenKaurTikku can same company reject renewal of policy once critical illness is freshly diagnosed after some years of post policy purchase
Hi mam,
Mujhe aapse ek bat puchni thi ki mere papa pehle army mein the uske baad rbi bank mein the..
2 month pehle unka ek surgery hui
To mujhe puchna tha ki Army hospital se reimbursement form feel Kiya to wo log government ke rule wise bill denge matlab jitna huva utana nahi dende qki humne private mein admit Kiya tha so ..
Lekin RBI ka bhi reimbursement hai to dono jagah se claim kr sakte hai kya?
Qki ECHS Jo army hospital ka card usme bhi unke paise cut hote hai ..
Aur ab RBI ka medical ka card bhi udhr bhi reimbursement process hai..
You can claim from one place only
Hello.very informative video. I have a doubt. If we have personal health insurance policy with deductible of 25k and we decide to use corporate policy for deductible amount. In case of 1st claim of 25k do we need to take claim settlement certificate from corporate insurance to prove that we have paid our deductible portion of the year and insurance company needs to pay for further claims?
Hi, You have almost cleared all the doubt. But, I also have the same doubt. I have a deductible of 1 lakh in my personal mediclaim. So, whether I have to take a claim settlement certificate and I have to submit it to my personal insurance claim?
Thank you in advance..🙏
My friend got 20k from ICICI prudential. Operation cost came 2lac will he able to use his second policy for claim. Second policy is from maxbupa
In d above example if claim amount is 1 lakh, can u claim 1 lakh from each of d 3 companies. If not why?
Also if settled cashless can we take fresh originals cert frm hospital and submit to other company fr reimbursemnt?
Manoj jee, it is an extra effort to file 1 lac from 3 different companies, why would you do that. If single policy has limit of 3 lacs , then ideally it should br from single company.
Also, original documents are given only once by hospitla, others are duplicate - please refer thr process mentioned in the video to claim from 2 companies
@@GurleenKaurTikkuThanks Gurleen jee.
But this is unfair like if you hav 2 term insurance you can claim both, but why not for health..... Whn health insurance premiums are almost 2-3 times that of term.
Also which govt authority can be approached regrdng ths?
I and my wife work in same company. we have corporate policy from same insurance company can we combine it
We will suggest to have an individual policy & not depend on corporate insurance completely. Please check this video : ruclips.net/video/yUoD9U_Bqm0/видео.htmlsi=OuFvK7Ji9wKs5rp_
I have a question if anyone have 2 different policy...if in case i m using 1 policy...if I showing all the Bill to 2nd insurance company can it will Rembrush or not??
Dear Mam, If I buy critical illness standalone policy from HDFC ergo, can I port it in future to another insurer. Or if it is not allowed. Can I stop the renewal of this and buy another critical illness policy from another insurer. Is there any drawback of the same.
Portability of CI policy is not allowed.
A fresh can be bought , you will have to serve the respective waiting periods in the new policy.
Very informative
Glad it was helpful 😊
Hello Mam,
I have one query my health claim. I was admitted to emergency surgery and was in hospital for 4 days. Total bill was 1.7 lakhs .I have two policies of an insurance company A) Health insurance B) Hospital cash insurance. Hospital was not Network hospital. I had filled for two Reimburment claims one for Health and other for Cash claim. Company has given only one claim of cash 12K. Remaining amount 1.58K company is not giving reply on the same from last 1 month. I had decided to approach Company GRO for the same. My query is whether I will get the remaining amount from insurance company /not?
Please reach out to their grievance department, they can assist with your specific query and reason of non payment
informative video, thanks
Thank you, keep watching :)
Can we claim personal accident claim from 4 insurance companies?
My uncle taken 4 policies and he expired in accident. Total amount of claim from 4 company amounts to 60 lakhs and yearly income 4 Lakhs. Please guide
Nice n informative video,1 query mam my parents are having health ins from National insurance,this year my mom hospitalised n claim was settled according to 2 years back sum insured because of pre-existing conditions.
Terms and condition was different in 2019-20 than in 2021-22.They are considering sum insured of 19-20,i want to know according to which T& C will claim be settled,is it according to 19-20 T&C or those in 21-22.
Pls clarify
So, Health insurance contact is usually 1 year contract and renewed every year, if there has been changes in the T&C, new T&C will be applicable form that year
@@GurleenKaurTikku thanks mam for prompt reply ,1 more question ,it will be great to see your reply.
My mom has purchased star health comprehensive policy on 12.1.22 and my mom is detected with cancer on 8.8.22,nearly 7 months after the first inception date.
Will i be given claim for treatment of cancer or not.
Pre existing disease that were declared at inception was diabetes ,cholestrol and bp
Hi. A very informative video indeed. I just had one minor doubt that there are room limits in health insurance. So suppose if I had a room limit of 6,000 from personal insurance & I booked a room for around 8,000. Then can the pro-rata adjustment of the whole bill + the difference amount be paid by my other insurance (corporate)?
No , it has to be paid from your own pocket
Mam I'm working two companies I have two policy same insurance company how take two plocy reambersment
Single claim
aap same amount 2 companies se claim nahin kar sakte, agar apka claim amount zyada hai and single policy se nahin ho raha , then you can claim from 2nd company
Mam supposse mera bill aya 40k ka mene b reiumberse ke liya dala aur wife ne b apne TPA ka reiumbrse ke liye dala toh , maternitye ka reiumbrse dono ko mil skta he kya for 40k
Nahin, dono ko nahin milega sirf ek jagah se le sakte hain aap
I have made first Claim in corporate with claim amount being 286000 and after Co pay 15% and non-payable i have received 236000, then i applied the balance amount hoping to get the copay amount from my reliance health gain . but now reliance is denying that the claim is already settled. are they saying is correct and what about this clause in policy wording " section 5.1.5 Insured Person having multiple policies shall also have
the right to prefer claims under this Policy for the amounts
disallowed under any other Policy / Policies even if the
Sum Insured is not exhausted. Then the Insurer shall
independently settle the claim subject to the terms and
conditions of this Policy." Can u give your view on this
Did you got this settled ?
Have you raised complaint to IRDAI or grievance cell ?
Yes i did after a fight @@adeethewanderer