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how to claim both the insurances if exceeds the limits of once

 

Any one can clarify the below pls .

 

1. we have corporate health policy( united India insurance co.ltd/ Paramount health)

and I have another policy with you. Then how to claim both the insurances if exceeds the limits of once

 

if the claim is small sum everything fine.but if claim is large..?

 

2 .what is the benfit of rider in health plan How it will work pls explain

 

 

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