You can lodge the claim under any of the two insurers. However, experts say one must first exhaust the group claim limit. So start with Group Insurer. Once the Group insurer has processed the claim and made payment, then you will have to write to the serving TPA that you would like to claim the balance. The TPA will then issue a settlement note and certified copies of original documents submitted by the you, which you will submit to the another insurer.

The second insurer will pay on the basis of a certificate from the first stating that it has the original documents and a settlement note giving details of the amount the insured has already claimed.