Many policy holders be likely to assume that they can file a claim under any of the policies they have taken but this not true and also which may not be always the case. Whether the person can make a choice to claim depends on the requirements made in the policies taken. Also, whether the person can select a choice to claim depends on the provisions made in the policies taken. Normally, there is a declaration required from the customer on the policies under which he or she is covered, and the total charge is shared by the insurers.The contribution clause in the policies states that claims can be made under both the polices, in the same ratio as the sum insured. For instance, if you are covered under a corporate policy with a sum insured of two lakh, in addition to a personal cover of One lakh and makes a claim for one lakh, the insurer servicing the former will contribute around Rs. 66,000 while the balance will come from the other insurer.