Let’s say one has 2 health insurances for Rs. 3 lac each with 1% room rent capping. Assume hospitalization incurred with total cost of Rs.2 lac in the category of room rent Rs.5000 per day. One claim is settled cashless and claim paid proportionately (i mean according to Rs. 3000 per day). Can one claim the balance from second policy as the second policy also entails the claim proportionate to Rs.3000 per day rent?