Can two insurance policies be used for cashless claim?

livemint.com:

—Name withheld on request When you get admitted in a hospital, you have two ways to make a health insurance claim. You can either opt for reimbursement where you get treated and submit the bills later to get the money back or opt for cashless claim by getting a claim approved before admission. If you have health insurance from two different insurers, getting a pre-approval for cashless claim from both insurers won’t be possible as only one claim request can be typically handled for cashless claim.

So, one would have to get cashless approval from one policy and claim the remaining part of the bill under reimbursement. In case where you have the same insurer, claiming cashless hospitalization from both the policies might be allowed but it is advisable to check the feasibility with the insurer before porting the policy. It would be prudent to instead look at increasing the sum insured of one family floater policy to ₹10-15 lakh to adequately protect your family and yourself during any major hospitalization.

—Name withheld on request Before a health insurance policy is issued, one is required to honestly disclose all facts relevant to the policyholder, including medical history, details of any pre-existing diseases, family history, lifestyle choices, among others. This forms the basis of the insurance policy that is issued to you and hence you must make sure all such details are disclosed to the insurer in a truthful manner. Different Insurers have different type of questions regarding smoking habits and alcohol usage and how they view your smoking and drinking history.