How do I submit a claim when the same event is covered under two insurance contracts?
Use the following examples as a guide when you wish to submit a claim for an event covered under two insurance contracts. Example 1 You: Insured by Industrial Alliance as a member Your spouse : Covered by a group plan of another insurer Situation: You have incurred expenses covered by your insurance contract. If you are covered by Industrial Alliance as a member, all the expenses you have incurred must first be submitted to Industrial Alliance. Once Industrial Alliance has reimbursed you, any unpaid portion of the claim must be submitted to your spouse’s plan for reimbursement. When you submit your claim to your spouse’s insurer, attach photocopies of the receipts and the explanation of benefits paid by Industrial Alliance. Example 2 You: Insured by Industrial Alliance as a member Your spouse : Covered by a group plan of another insurer Situation: Your spouse has incurred expenses covered by his or her group insurance.
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