About Insurance

[catherinecramer]

Can I use my private insurance and also Medical to get double benefits for eye care?

[SirOracle]

Catherine Could you be more specific as to what policies you have ,as the terms you have used are too vague to give an answer. Are you in the UK ?

[boxtops]

It's unlikely (but I'm not sure what you mean by private insurance and medical, do you mean public health care (not sure which country you are in)).

If you claim on your private insurance you'll be asked if you have any other insurance, and you have to be honest. If the state is paying for your treatment, you won't have any fees to pay anyway.

[New Judge]

Yes there is a general principle in insurance that you cannot claim the full amount under two policies for the same event. You could not, for example, insure your car with two insurers and expect them both to pay you the full value if it is stolen.

[SirOracle]

Agreed New Judge...the exception (there is always an exception ! )being a Personal Accident/Sickness Insurance which is not a policy of Indemnity.

[dzug2]

If one of the policies pays a flat rate per night just for being in hospital and the other pays the actual cost of treatment that would be legitimate. But you can't claim twice for the same actual cost.