Insurance regulator clarifies health claim top-up payment rules

The Insurance Regulatory and Development Authority of India (IRDAI) has issued a circular clarifying rules for claim payments involving multiple insurers. When a health insurance claim exceeds the sum insured under a primary policy, a secondary insurer may cover the shortfall. This applies only if the secondary policy is active and the claim is admissible. The clarification aims to standardize procedures and prevent claim settlement disputes between insurers and policyholders.