I am covered with an individual health insurance policy. Can I buy two health insurance policies from two different insurance companies?
How can I avail myself of a claim in such a scenario? -Name withheld on request Yes, you can buy more than one health insurance policy based on your need and premium paying capacity.
It is recommended that you opt for a base insurance policy, for additional needs, seek a higher deductible health insurance cover, which is commonly available as a top-up cover.
You can avail of a deductible equivalent to your base insurance policy and take a high sum insured under the new policy. The premium for such a top-up policy is very low, and you get high coverage and better benefits.