As per recent Indian
health insurance regulations (IRDA), you can hold 2 health insurance policies
& can distribute a claim between the (company's policy and Individual) and policies in any proportion anyone want.
Anyone can file the
entire claim in one policy as well. Recommend that you first claim on the your
company's policy.
After that is used
up, utilize your individual insurance policy. This will help protect your
no-claim bonus in the individual policy. Also, claim settlement in corporate
group insurance tends to be faster & more streamlined.
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