You can submit the claim to any insurance company. If the Sum Insured of any company exhausted than the remaining part, you can claim from the another policy. If cover from one company 1 lac and cover from another company also 1 lac. If there is a claim of 80,000, then you can claim from any company and just inform another company about the claim. If claim is 1,20,000 then take 1,00,000 from one company and remaining 20,000 from another company.