Health insurace claim
I have a question regarding a health insurance claim. I hold a retail health policy with an insurer, and I submitted a claim 45 days ago. The insurer is currently verifying the claim, but I suspect that they may reject it due to a pre-existing disease, even though the patient did not have any pre-existing condition.
Fortunately, I also have a corporate policy through my company that has no exclusions. If the retail policy issuer rejects my claim, can I submit it through my corporate policy?
However, I have noticed that the terms and conditions of the corporate policy issuer state that the claim must be initiated within 30 days of discharge, which has already passed. Therefore, I am unsure if the corporate policy issuer will entertain my claim.
Any advice on this will be really appreciated.