My friend, who is insured under both mediclaim and personal accident policies, met with an accident and could not attend office. Under which policy should he file his claim? - Ashwin Kumar, New Delhi
Which policy to claim if you have more than one health insurance?
Person hospitalised for more than 24 hours can file a claim for the medical expenses under his mediclaim policy
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If your friend was hospitalised for more than 24 hours following the accident, he can file a claim for the medical expenses under his mediclaim policy. This will also cover his post-hospitalisation expenses, too, for a period of up to 60 days. If, however, the period of hospitalisation was less than 24 hours, he will not be eligible to file a claim under the mediclaim policy. In that case, he should file a claim under the personal accident policy for medical expenses, provided such a clause is available under the cover.