Claim settlement by multiple insurers
I have two health policies for parents-one by my employer and other individual policy. Both have 20% copay and Rs 20000 limit for cataract. Say if I have to claim for cataract procedure, i will claim to retail policy where they will pay 16k. Can i claim balance 4k to other policy? If yes will I have to pay 20% of balance 4k out of pocket? Can you pls help understand.