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Disallowed amount in Health claim can be claimed with another policy?

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12 Jul, 2021 by  nikunj chhag

One of my colleague has claimed in our employer group health insurance. This policy has room rent limit (Rs 3000) & he selected room with Rs 4500 rent. So all expenses are cut by 33% in this claim. Now the claimant also has personal health insurance policy which has no room rent limit. Can we submit the claim to personal policy for DISALLOWED amount?

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Health Insurance

2 Answer

13 Jul, 2021
AVP Insurance - IDBI First Bank

Hi Nikunj,

Yes, your colleague can claim the remaining amount from his personal insurance if the claim is admissible in his personal policy.

He will have to submit the settlement letter of the corporate policy claim along with the photo copies of the documents that the corporate insurer has kept with them and original documents of the claim amount that he wishes to claim from his personal insurance. ( These would be given back by the corporate insurer)

Hope this helps!

Cheers :)

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15 Jul, 2021
Co-founder, SureClaim

Hi Nikunj,

Yes your colleague can recover the deducted amount from his personal policy. This can be done as per the process explained by Kiran Karkera in another comment. If s/he need further clarification, feel free to drop a mail to

Anuj Jindal



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