INCOME TAX15 Sept 2026
Two health insurance policies? Know how to use both for one hospital bill | Mint
If you hold both a personal health policy and employer cover, the second policy can pay the eligible part of a hospital bill left unpaid by the first. You cannot claim the same expense twice. Insurers coordinate claims, so keep documents handy, get a settlement letter from the first insurer, and follow up for faster settlement.
Key Statutory Highlights
- A second health policy can cover the unpaid eligible portion of a hospital bill after the first insurer settles its part.
- Two policies do not allow reimbursement of the same expense twice from both insurers.
- The second insurer needs a claim settlement letter from the first insurer, or insurer-attested copies of the claim documents.
Actionable Advice for Taxpayers / Founders:Disclose all your health covers to both insurers, keep copies of your medical and claim papers, and if the first claim is stuck, follow up with the insurer, the TPA (Third Party Administrator) or its grievance officer.
Statutory Disclaimer: TaxQue Shorts are AI-assisted editorial briefs for compliance awareness. This brief has not passed every source check; confirm the original notification before acting. This does not constitute formal legal or CA counsel.
TaxQue News Desk
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