Right now which is the best corono insurance and y?

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can we have 2 insurance and claim the both. For example, phonepe is giving 25000 for positive cases b4 hospitalized wheres as others give sum upto 5 lakhs ( above or below as well ) for hospitalization costs..

Kindly suggest something which wil be cost effective and precautionary for all the family members.

Hope this will be helpful to everyone in the current situation.

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