{
  "id": 13886562,
  "title": "Health claim shortfall: Can your second insurer pay?",
  "url": "https://urgent.news/2026/10/12/health-claim-shortfall-can-your-second-insurer-pay",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-10-12T05:17:45.000Z",
  "source": {
    "name": "The Economic Times",
    "slug": "the-economic-times",
    "url": "https://economictimes.indiatimes.com/wealth/insure/two-health-insurance-policies-one-hospital-bill-heres-how-to-claim-the-unpaid-hospital-bill-from-the-second-insurer/articleshow/134883195.cms"
  },
  "original_language": "en",
  "account": "When a health insurance claim exceeds the coverage of one policy, the insured can file a claim with an additional policy. This process requires understanding IRDAI's guidelines and the terms of both policies involved. The primary insurer, decided by the policyholder, handles the initial claim and coordinates with subsequent insurers for any unpaid balance. However, expenses disallowed by the first insurer might still be covered by the second insurer, although the payout will depend on the terms of the second policy. It is crucial to inform both insurers promptly, adhering to their respective deadlines, to ensure a smooth claim process.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}