You can have more than one health policy from the same insurer or different insurers. However, you must disclose any existing policy before applying for a new one or while making a claim. Failing to do so is a violation of the rules. While there are different methods to claim benefits with multiple policies, the most common is prorating it between insurers in proportion to sum assured. Depending on the policy terms and claim amount, you may split it between the insurers or claim the entire amount from one insurer.