Yes, this is possible. For example, consider you have two policies: an employer-offered plan with a cover of INR 5 lakhs and an individual plan with a cover of INR 3 lakhs. The hospital bill comes to INR 6 lakhs. Here, you can go for a 5 lakh claim from the employer-offered plan and INR 1 lakh claim from the individual policy. You can also go for INR 3 lakh claim from the individual policy and INR 3 lakh claim from the employer-offered plan.