Two health insurance policies, one hospital bill: Here’s how to claim the unpaid hospital bill from the second insurer

Your health insurance policy covers Rs 5 lakh, but your hospital bill comes to Rs 8 lakh. Who will pay the remaining Rs 3 lakh? If you have another health insurance policy, can you approach the second insurer for the balance, even if the first insurer rejected some expenses?

Let’s take a look at how the process works, what IRDAI's rules say, and what you should keep in mind before filing a claim with a second insurer.