Health Insurance

Srinivas Ramachandran: I have two health insurance policies – a group cover of ` 3 lakh provided by my employer and a ` 5 lakh family floater plan that I have purchased. In case I get hospitalised, which policy should I use first? If the bill is higher than the sum insured, can I use both policies and opt for the cashless mode?

Mahavir Chopra, Director, Health, Life and Strategic Initiatives, Coverfox.com, replies: Go for the employer health insurance first as it is easier to claim under a group insurance policy. In case the hospital bill is higher than the amount covered by that policy, you can use both. If you want to opt for a cashless claim, inform your hospital of the two policies. Once the sum insured under the first policy is exhausted, the paperwork for a cashless claim must be processed for the second policy.