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    unnam's Avatar
    unnam Posts: 1, Reputation: 1
    New Member
    		  
    #1

    Jul 28, 2009, 11:20 PM
    Double Benefit
    I have two Health Insurance Policies of TATA AIG & Birla Sunlife. Will the expenses of Hpospitalisation be reimbursed by both the Insurers?
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
    		  
    #2

    Jul 29, 2009, 05:40 AM

    Yes and no. There is a rule called Coordination of Benefits when covered under two policies. One of the policies is listed as primary the other secondary. The primary policy pays first up to the limits of the policy. If the full amount isn't covered, you can submit a claim to the secondary for the balance.
    nikosmom's Avatar
    nikosmom Posts: 1,611, Reputation: 488
    Ultra Member
    		  
    #3

    Jul 29, 2009, 07:31 AM

    Everything Scott said is correct and I will add that this is done to prevent overpayment back to you. So, essentially the 2nd policy is picking up the slack of the 1st policy. You won't receive any excess for having 2 policies.
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