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Yes, you can have more than one health plan. In fact, having more than one health insurance plan is beneficial in several ways. With rising medical costs, the coverage offered by one plan is very often insufficient. Increasing the sum assured leads to a steep increase in premium costs. As a result, individuals purchase multiple health plans from different insurers to increase coverage and enjoy the various benefits offered by other policies.

While it is okay (and legal) to hold more than one health plan, you need to know how to use the various plans to your best advantage. For instance, you can opt for a family floater health plan from one insurer and take individual health plans from another insurer only for the family members who require extra medical care. Alternatively, instead of purchasing an additional health plan on top of the basic cover, you can opt for a top-up plan at lower premiums.

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