If hospital is charging more than the capping amount in the policy then how can we get the claim?

If a disease is capped under health insurance and the cost of treatment is higher than the capped amount in that only capped amount will be paid rest amount insured will have to paid at the time of treatment, under the same insurance deduction amount will not be paid. Example if a insured has stone surgery and for that cost of surgery is 60K in the hospital and the amount is capped for stone is 40K then 20K will have to bear by the patient. But there are a scope under health insurance where a insured can get this amount back by the partail claim,which means if a person has two different health insurance policy then insured can get the rest amount from another insurance company.