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Is it Possible to Buy More than One Health Insurance Policy?

Updated On Aug 09, 2022

In India, healthcare expenditures are rapidly increasing, and things have gotten worse after covid. The rising cases of infectious and severe illnesses are increasing healthcare costs in the nation. Making life tough for everyone, including financially secure people. It is normal to question if your unexpected requirements can be met by only one health insurance plan in such conditions. 

Numerous healthcare plans can protect your savings untouched while covering rising healthcare expenditures. In addition, having additional insurance may increase the advantages and make things simpler in the case of a health-related emergency, even though you have the greatest health insurance coverage already.

Is It Possible To Have Multiple Health Insurance Plans?

You could buy as many policies of healthcare insurance as you choose. You should be aware that you can not submit claims to several insurance providers for the same expenditure. You may use the other one to pay if one plan is not enough for the costs, which is among the important advantages of having multiple health insurance.

 If one coverage is not enough, you may use the other one to pay the costs, which is among the important advantages of having multiple health insurance. Experts claim that group policies' claim settlement procedures are simpler and faster. It also enables you to benefit from your individual policy's bonus of no-claim.

Why Should One Have Multiple Health Insurance Plans?

A person could have multiple policies of health insurance for a variety of reasons, including the following:

  • You have insurance from your father/mother and your workplace as a grown-up or a youngster under the age of 26.
  • You and your spouse each have healthcare coverage from your workplaces.
  • Your parents both have a different healthcare plan, and both of your folks include you as a dependent on their insurance and you are below the age of 26.
  • You have parents who are divorced, and each of your parents includes you as their dependent on their insurance policies, and you are younger than 26.
  • You are married, below 26 years of age, and insured by both your parents and your other half's insurance.
  • You are covered by Medicaid in addition to having healthcare insurance.

Expenses Of More Than One Health Insurance

You are responsible for covering all relevant charges and premiums for both of the plans if you have more than one health insurance policy. Your first insurance's deductible will not be covered by your secondary insurance. Plan guidelines are still applicable despite having numerous health insurance policies. 

Benefits Of Having Multiple Health Insurance Policies

The following are some of the advantages of having various health insurance policies.

  • Protect Against Claims Being Rejected

 When insurance companies deny coverage, it may be devastating for the family since they will have to pay the cost of expensive medical treatment out of their own pockets.

  • Small Covers

You can purchase many health insurances rather than spending your money on a single large-coverage plan. You would probably pay lesser premium costs compared to purchasing a single policy with more healthcare coverage because this will ultimately add up to a sizable cover.

  • Reduced Premiums

In comparison to purchasing a single plan with greater coverage, purchasing numerous health policies with limited coverage typically results in much-reduced premium costs.


Even though there may not have any restrictions on how many healthcare plans you may have. Still, it is recommended to just have 2 policies to reduce complications throughout the claim settlement procedure. Additionally, if you have both an individual healthcare insurance plan and a group healthcare plan from your workplace, you should choose the employer-provided plan first when filing a claim. 

Also Read: 

Is Pregnancy Covered In Health Insurance?

Steps To Become A Health Insurance Agent


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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