Claim under Two medical insurance policies
Sir, I have a query related to medical insurance.
If a person is covered under medical insurance under two different policies.
In first policy as primary policy holder and in other as spouse of policy holder.
The sum insured is 5 lakhs and 9 lakhs in both the policies respectively.
How does the policy claim is settled in this scenario..?
For instance if expenses comes out to be 12 lakhs.
Then can both the SI be clubbed and full claim will be settled by respective insurers..?