If you hold several health insurance plans, you are allowed to file claims against more than one for a single hospital stay, as long as the combined payout stays within your actual medical costs. Financial experts recommend informing your insurers about all your existing policies from the start to prevent your claims from being denied. Ultimately, the amount you receive will be determined by the specific terms of each policy, including the sum insured, coverage exclusions, and any applicable sub-limits.

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