Yes. In India, if you have two indemnity health insurance policies, you may ask the second insurer to assess eligible hospital expenses left unpaid after a claim under the first—even if the first policy’s sum insured is not exhausted. Payment is not automatic: the second insurer applies its own policy terms, and it may not cover every deduction made by the first insurer.
First check whether both policies cover expenses or pay a fixed benefit
For an indemnity policy, the insurer assesses actual covered hospitalization expenses, subject to that policy’s limits and conditions. You cannot be reimbursed twice for the same expense, but an admissible amount left unpaid under one policy may be considered under another.
As an Amazon Associate I earn from qualifying purchases.
A benefit-based policy pays a defined benefit when the insured event occurs, according to its terms. IRDAI says an insured may claim under multiple benefit-based policies. The rules for those benefits differ from sharing reimbursement of a hospital bill. IRDAI’s health insurance guidance explains the distinction and the multiple-policy approach.
Windows Errors? Fix Them Before They Spread
Repair common Windows errors and clear accumulated junk for a smoother, more stable PC - no reinstall needed.Free scan · no reinstallCrashes, No Sound, or Screen Glitches?
Random freezes, missing sound and display glitches usually trace back to one bad driver. Find and replace yours safely.Free scan · under a minuteHow the first insurer and second insurer fit together
If you chose the policy that handled the first claim, that insurer is the primary insurer for settlement. IRDAI says that when the available cover under it is less than the admissible claim amount, the primary insurer should seek details of your other policies and coordinate with the other insurers to settle the balance under the relevant policy conditions.
#1 Best Overall
- Pack of 500 Sheets - New Health Insurance Claim Forms, 2012 Approved Version
- 1-Part 8-1/2" X 11" Laser Form CMS-1500, Printed in Red Ink
- Required for Healthcare Providers to Bill Patients' Insurance Companies for Reimbursement
- Latest HCFA / CMS 1500 Claim Form (Approved OMB-0938-1197)
- Made in the USA by Next Day Labels TM - 100% Guaranteed
You may also present a balance claim—or amounts disallowed under the earlier chosen policy—to another insurer even when the first policy’s sum insured has not run out. The second insurer makes its own assessment under its policy; the first insurer’s decision does not guarantee that the second will pay the same amount. See IRDAI’s health insurance FAQs.
How to claim the unpaid amount from the second insurer
-
Get the first insurer’s settlement details
Ask the insurer that processed the first claim for its settlement statement or a written explanation showing what it approved and what remains unpaid, including the reasons for deductions. This helps you describe the balance accurately; it is practical preparation, not a universal IRDAI document checklist.
Rank #2
NextDayLabels CMS 1500 / HCFA 1500 Insurance Claim Forms, 100 Sheets- 1-Part 8-1/2" X 11" Laser Form CMS-1500 printed in red ink
- Required for health-care providers to bill a patient's insurance company for reimbursement.
- New Version 02/12 (APPROVED OMB-0938-1197)
- Medicare now accept this Version 02/12 only.
- For Laser and Inkjet Printers, Made in USA by Next Day Labels TM
-
Tell the second insurer about the first claim
Contact the second insurer and ask how to submit the remaining expenses for assessment under that policy. Disclose the first insurer’s payment and deductions. Ask the insurer to assess the balance; do not frame it as an automatic top-up.
Free tools Windows power users keep installed
One-click scans. No signup required.
Special offer. See more information about Outbyte and uninstall instructions. Please review EULA and Privacy policy. -
Use the second insurer’s claim process
Request its current checklist and submission instructions for your policy and claim route. Requirements can vary. Keep your claim number, the first settlement explanation, hospital bills and related records, and copies of messages or letters as useful preparation.
Rank #3
CMS 1500 Claim Forms - 500 Sheets | New Version HCFA 1500 02/2012 Revision | Laser & Inkjet Compatible Health Insurance Claim Forms for Accurate Medical Billing- Each Shrink Wrapped Package contains 500 sheets and are completely in compliance with NUCC Standards
- These CMS 1500 Claim Forms are 1 Part 8 1/2"x11" Laser Sheet on laser grade bond/offset paper
- All hcfa 1500 claim forms are Printed in OCR Red ink and will align perfectly with your software
- Our Forms are the Approved OMB-0938-1197 current 02/12 revision and were developed from the NUCC
- Our CMS 1500 Insurance Claim forms are produced in the USA using robust 20# laser and inkjet compatible paper manufactured for high speed processing
-
Track the claim and keep the response
Save acknowledgments and the insurer’s written decision. IRDAI’s health department page, which refers to the Master Circular dated 29 May 2024, lists a one-hour limit for deciding cashless preauthorization requests, three hours for cashless final bill authorization after the hospital’s discharge authorization request, and 15 days for non-cashless claims. These are turnaround timelines, not a guarantee that a disputed or ineligible expense will be paid. See IRDAI’s health insurance guidance.
If the second insurer denies or delays the balance
Ask for the decision and the reason for each deduction in writing. IRDAI says a denial or repudiation should state specific reasons, refer to the relevant policy conditions, and provide the insurer’s grievance procedure and the Insurance Ombudsman route. Follow the grievance instructions in the insurer’s communication.
Rank #4
- Easily get reimbursed by insurance companies with Current 02/2012 version CMS-1500 Forms (OMB-0938-1197) that are 100% compliant with HIPAA with all correct content, Red ink, and 1 Part printing style
- All printed fields will our hicfa form 1500 align with the correct boxes when using your templates or billing software with our consistently high quality forms that are manufactured in the USA
- Thick 20 LB paper that easily feeds through both Laser and Ink Jet printers
- 100 % compliant with HIPAA Act with all forms printed in the USA by US government certified printers
- CMS-1500 forms are required for health care providers to receive reimbursements for clients, Medicare begin accepting the NEW 02/2012 version in January of 2014 and now only Accepts this version
If the issue remains unresolved, you can register a claim-related complaint through IRDAI’s Bima Bharosa portal. The portal asks for a claim number for a claim-related complaint. IRDAI’s FAQ guidance on denial and grievance information is available at Health Insurance Regulations FAQs.
Do these 3 things before closing this tab:
1Repair Windows errors before they cause bigger problems2Fix the driver behind crashes, sound loss and screen glitches3Clear out junk files and repair common Windows errorsWhat to compare when deciding which policy to use first
If you have a choice about which policy to approach first, check the terms that could affect what remains payable and how straightforward the claim will be:
Best Value
- SUPERIOR QUALITY: Our CMS-1500 insurance claim forms are manufactured and printed in the USA by US government certified printers on bright white Thick 20 LB paper; compatible with Laser and Inkjet printers. Printed in red ink.
- All printed fields, boxes, and layout will perfectly align with the correct boxes for easy printing with billing software. No need to change settings when using these high-quality HCFA 1500 claim forms! Printed on red ink for greater scanning accuracy.
- COMPLIANT WITH ALL GOVERNMENT STANDARDS: Each UB04 Claim Form has accurate content and adheres to strict government standards developed by HIPAA in conjunction with CMS Centers for Medicare and Medicaid Services, NUBC, NUCC, Health and Human Services Agency, and American Hospital Association.
- SIMPLY YOUR COMPENSATION PROCESS with our 2012 approved CMS-1500 Health Insurance Claim Forms. 500 sheets, proudly made in the USA. Widely accepted by hospitals, nursing facilities, and other in-patient providers since 2014.
- LATEST APPROVED VERSION FORMS: CMS/HCFA 1500 claim forms (02/2012 version) are the currently approved forms that replaced (version 08/05) CMS-1500 Forms; required for health care providers to bill a patient's insurance company for reimbursement of medical claims.
- Available sum insured and any deductible or co-payment.
- Room-rent limits, treatment sublimits, exclusions, and waiting periods.
- Whether the hospital is in the policy’s network and whether cashless service is available.
- Claim submission requirements and timelines stated in the policy.
- Whether each policy is indemnity-based or benefit-based.
These are comparison points, not a ranking: the settlement depends on the conditions of each policy.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
