Will buying health insurance from two companies reduce the likelihood of claim rejection?

In contrast to a single policy or top-up, having two distinct policies from two different firms can offer a buffer against claim denial, but there are additional complications involved.

Claims may become more complicated as a result of the independent documentation and coordination. Top-up and super top-up plans, on the other hand, provide a more straightforward and affordable means of expanding coverage beyond a base policy, making them easier to administer while maintaining high-value protection.

This approach, though, requires managing separate claims and documentation for the respective polices and with multiple insurers, in case there is more than one.

For instance, a ₹5 lakh base policy with a ₹25 lakh top-up ensures larger medical expenses are covered beyond the deductible amount. Super top-up plans extend this benefit to multiple claims within a policy year.

These options are more cost-effective and easier to manage when compared to maintaining two separate policies. Individuals should, however, evaluate their respective medical needs and then make an informed choice before buying comprehensive coverage.