co-pay rules for second insurance
I am in a situation as below.
Total Hospital Expenditure : Rs 4,44,000
1st TPA paid : Rs 3,50,000 (settled)
After that, I made a
claim amount to the 2nd TPA : Rs 94,000 (Where Total sum assured is Rs 3,00,000)
Co-pay charged by 2nd TPA : Rs 44,000 (10% of Total Hospital expenditure)
My question, is the above co-pay charges by 2nd TPA correct.
The total amount claim to the 2nd TPA is only Rs 94,000, which is far below than total sum assured. How the co-pay can be calculated based on Total Hospital Expenditure Rs 4,44,000.