A policyholder can have multiple health insurance policies. However, you cannot claim the same expenses from multiple insurers.
An individual can use various health insurance policies for a single claim, such as an employer's group policy, a health policy, and top-up health insurance. A person can have multiple health insurance policies and can claim them from two different companies or different service providers. It is not limited to one.
Multiple health insurance policyholders have the choice to claim between several health insurance plans. If one policy claim is higher than the other one, the individual can opt between these two to get the best advantages.
Apart from this, when an individual buys multiple insurance plans, it lowers the premium costs. In addition, a person can also obtain maximum coverage during illnesses from several health insurance plans.
A common approach for a person to have two India insurance policies is obtaining the claims settlement summary. After that, one must obtain copies of the bills. An individual can now approach the second insurance company and ask for the remaining sum. The remaining sum is only paid after this whole process.