Health Insurance Claim: Company Policy Verses Individual Policy

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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