What happens if I apply for multiple free covid coverage from various institutions and I have to make a claim?

It depends on the scope of coverage from the policy itself.

Generally for medical bills, it is covered on a reimbursement basis, i.e. if the medical bill is $3k, then you can claim up to $3k. However, for benefits such as hospital income, all plans may issue a payout. To be sure, we will need to check the terms and conditions to see whether there is any exclusion to claim only from a single insurer.

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