New Delhi, May 15 -- "If you're a salaried employee, chances are you have a corporate health insurance plan from your employer. You may also have a personal health policy. In the event of a high-value hospitalisation, can you combine both to maximise coverage?

The answer is yes. All it takes is a few key steps.

You must first settle the claim with one insurer. Get a claims settlement letter from the first insurer and submit the same to the second insurer along with bills. The documents include copies of bills already settled by the insurer and original bills of unsettled amount, hospital receipts and KYC documents.

If both insurers are involved, you can use the first policy for a cashless claim up to its sum insured. Any amount not cov...