What is the maximum Sum insured a person can get under the medi-claim policy either from single company or different companies together as per IRDA guidelines?

Under IRDA guidelines, the maximum sum insured that can be availed under health insurance (medi-claim) policies across all insurers combined is Rs. 5 lakh. This means if a person has multiple health insurance policies from different companies, the total coverage cannot exceed Rs. 5 lakh. This limit was set to prevent over-insurance and moral hazard. The limit may have changed over time - current guidelines should be verified for accuracy.