You need to get an official receipt in order to apply for reimbursement. 你需要申请正式的收据才可以申请赔偿金。
It is possible to carry two or more policies,but the insurance companies involved would split the reimbursement between them. 投保人可能拥有两份或更多的保单,但所涉及的保险公司会在他们之间摊派赔偿金。