- HDFC ERGO Community
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- Health Insurance
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- Health Insurance - Product Coverage
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- Multiple health plans
16-11-2016 06:08 PM
16-11-2016 06:08 PM
I have taken two health plans of rupees two lakh each from different providers. My hospitalisation expenses are likely to cross three and a half lakhs. Can I combine both the policies?
16-11-2016 06:37 PM
16-11-2016 06:37 PM
Yes, you can claim from both the companies. But the total claim can not be more than the total expenses
17-11-2016 09:57 AM
17-11-2016 09:57 AM
Yes, but the contribution clause will apply.
08-05-2017 03:36 PM
08-05-2017 03:36 PM
Yes you can combine both the Policies, but companies will pay in proportion of the total expenses and also total claim should not be more than the total Expenses.
07-07-2017 02:42 PM
07-07-2017 02:42 PM
Health insurance being indemnity based policy, insured cannot make profit out of the policy. Hence both the companies will apply the contribution clause and make payment as per their eligibility.