I understand that if I have multiple health insurance policies, I can only make claim from only one of them if ever I incur medical expenses (I'm from the Philippines).
In the US, you cannot simultaneously submit a claim for payment
of a medical bill, or request reimbursement for a bill already paid,
to multiple insurance companies, but if you are covered by more
than one policy, then any part of a claim not paid by one company
can be submitted to another company that is also covering you.
In fact, if you have employer-paid or employer-provided coverage, most
insurance companies will want your employer-provided insurance company
to be billed first, and will cover whatever is not paid by the employer
coverage. For example, if the employer coverage pays 80% of your doctor's
bill, the private insurance will pay the remaining 20%. But, the private
insurance policies are also quite expensive.
Some professional groups in the US offer major medical coverage to
their US members, and might be offering this to non-US members as
well (though I suspect not). These policies have large deductibles
so that coverage kicks in only when the total medical expenses in that year
(whether wholly or partially reimbursed, or not reimbursed at all)
exceed the large deductible. These types of policies
actually pay out to only a few people - if you have more than, say,
$20,000 of medical expenses in a year, you have been quite ill, and
thus the premiums are usually much smaller than full-fledged coverage
insurance policies which pay out much more frequently because of much