New Delhi, Oct. 17 -- Many individuals receive health insurance coverage from their employers, while some also buy a separate individual health insurance policy to supplement their corporate cover and provide additional financial protection.

A policyholder is allowed to claim under both corporate and individual health insurance policies during the same hospitalisation if the expenses exceed the coverage available under one policy.

Most importantly, the total reimbursement from both policies cannot exceed the actual hospitalisation expenses incurred. Policyholders also cannot claim the same medical expense twice under different policies.

If you fail to follow the prescribe claim process or overlook policy conditions, it could delay clai...