Can We Claim Health Insurance From Two Companies? 
Yes , but you will never receive more than 100 % coverage as making a profit from having multiple health insurance policies is prohibited . In today 's world the circumstance you describe would most likely come up in the situation where a married couple both have employer provided health insurance and one , or both , is covering the other as a dependent on their employer 's health plan . Technically you could double cover each other with individual health insurance policies but this would probably be financially prohibitive from a premium cost perspective . Anyways , in the event someone is double covered , the two different health insurance companies will have to determine order of payment -LRB- which company pays first on the claim -RRB- which is usually based upon the person who is born earliest in the year , then they would do what is called `` coordination of benefits '' where the second carrier would pay on the unpaid portion of the claim . 