With hospitalisation coverage, you can claim up to the actual amount spent on your medical treatment. Typically, you cannot claim more even if you have more than one policy, as policies would reimburse you once for each medical expense. Lump-sum insurance policies, on the other hand, would typically pay out the benefit according to the sum assured.
Before you switch from one health insurance policy to another one with higher benefits, it is important to consider the state of your health. A new policy may not provide coverage for any conditions you may have developed since you took up the previous policy. It is good practice to check with your financial adviser or insurance agent, in case of doubt.How to Get a Quick Quote for Health Insurance
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