Occurs when a person covered under more than one health or accident insurance policy collects, or may collect, payments for the same hospital or medical expenses from more than one insurer. Individual health insurance policies, under State laws, sometimes include anti-duplication clauses against over-insurance due to two similar policies issued by the same insurer; loss-of-time coverage in excess of the insured’s monthly earnings; and duplicate coverage with other insurers, if the insurer has not been given written notice of such duplicate coverage prior to the date of loss. Because of this notice limitation, many individual insurance policies do not include anti-duplication clauses. Since the limitation does not apply to group insurance, it usually does contain such clauses, especially in major medical policies. However, most States will not allow group policies to apply such clauses to individual insurance. Where duplication exists with a group anti-duplication clause, the group insurer responsible for paying its benefits first is the primary payer.<\/p>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
Occurs when a person covered under more than one health or accident insurance policy collects, or may collect, payments for the same hospital or medical expenses from more than one insurer. Individual health insurance policies, under State laws, sometimes include anti-duplication clauses against over-insurance due to two similar policies issued by the same insurer; loss-of-time […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-81008","post","type-post","status-publish","format-standard","hentry","category-d"],"yoast_head":"\n