Question: I have two medical insurance policies from different insurance companies. 1st company has settled the claim and sum insured exhausted. How I claim balance with 2nd insurance company
Answer: Please intimate to 2nd insurer and inform them about claim settled with 1st insurance company. Now it duty of the 2nd insurance company to co-ordinate with 1st insurance company to get required documents/details and settle the claim as per master circular on health business 2024

Supporting evidence:
title: irdai.gov.in/5e707a91-b5de-1ec1-cf18-b66273a6839d
quote: In case the available coverage under the said policy is less than the admissible claim amount, the primary Insurer shall seek the details of other available policies of the policyholder and shall coordinate with other
context: and conditions of the policy document. c) Pursuant to intimation of the claim, Insurers and Third Party Administrators (TPAs) shall collect the required documents from the Hospitals. Policyholder shall not be required to submit the documents.

3) Products are to be made available in compliance with various laws:

18), 1 = Claims in respect of multiple Policies held by policyholders: a) Indemnity Policies: A policyholder can file for claim settlement as per his/her choice under any policy. The Insurer of that chosen policy shall be treated as the primary Insurer. In case the available coverage under the said policy is less than the admissible claim amount, the primary Insurer shall seek the details of other available policies of the policyholder and shall coordinate with other. 19), 1 = Redressal of Grievances of the Policyholder: The Insurer is required to have robust system of Grievance Redressal Process. The response letter of the Insurer in any grievance shall include the contact details of concerned insurance ombudsmen where his/her complaint can be escalated in case, the policyholder is not satisfied by the grievance redressal provided by the Insurer.. 20), 1 = Implementation of Ombudsman Award: The Insurer is required to comply with the award of the Insurance Ombudsman within 30 days of receipt of award by the Insurer. In case the Insurer does not honour the ombudsman award, a penalty of Rs. 5000/- per day shall be payable to the complainant. Such penalty is in addition to the penal interest liable to be paid by the Insurer under The Insurance Ombudsman Rules, 2017.
The detailed provisions in respect of paras 4,5,7,12,17,18,19 and 20 above will be given in the Master Circular issued under IRDAI (Protection of Policyholders' Interests, Operations and Allied Matters of Insurers) Regulations, 2024.

A. General Principles

All Insurers shall ensure the following Principles while conducting Health Insurance Business:
- I. All the Insurers shall: -
- (1) Have in place board approved underwriting policy : -
- a. Covering its approach and aspects relating to offering health insurance coverage across all ages and medical conditions in line with Para 1 of Chapter I.
- b. That ensure Ayush treatments at par with the other treatments so as to provide option to the policyholders to choose treatment of their choice.
- (2) Have in place board approved policy on quality standards and benchmarks for empanelment of Hospitals and Health Care Providers :