Can I Have Two Health Insurance Policies at the Same Time?

Many people hold both an employer group policy and a personal policy, or two personal policies from different insurers. This is fully permitted — insurers just require you to disclose other policies you hold when you claim.

How claiming across two policies works

1. You choose which insurer to claim from first (often the one with simpler documentation or a cashless network at your hospital).
2. If the bill exceeds that policy's payout or sum insured, you can claim the remaining amount from your second policy through the “contribution clause.”
3. The second insurer will typically require proof of the first insurer's settlement or rejection before processing the balance.

Why people choose to hold two policies

• To combine an employer group policy with a personal policy for continuity if the job ends.
• To effectively increase total available cover without needing a single very large sum insured on one plan.
• To access a broader combined hospital network across two insurers.

Frequently asked questions