It is quite common for people to end up with two health insurance policies. One may come from an employer, while another may be a personal policy purchased separately. In some cases, couples also have individual policies along with a family floater plan.
This often leads to a practical question when a hospital bill arises. Can both policies be used for the same treatment, and how does the claim process actually work?
The short answer is yes, you can hold multiple health insurance policies. But insurers follow a process called contribution when settling claims.
