Hello, I am an insurance consultant of Shenzhen Qianbao Insurance Network, and I hope I can give you some correct suggestions. The compensation for having multiple accident insurance at the same time is simply: "accidental death can be both, accidental disability can be paid according to disability level, accidental medical treatment follows the principle of damage compensation, and the accumulated compensation should not be greater than the actual medical expenses of the insured." Your situation belongs to the third category, that is to say, you actually spent 2000 yuan. Gym loss 1600 yuan, you can also pay 400 yuan to your insurance company. Insurance companies generally need detailed accident proof documents, medical bills, copies of invoices and other materials to settle claims.