I have 2 insurance policy from different insurance company.. both also got accident coverage, if i would like to claim can i claim from the 2 policies? Or i can only claim from 1 policy at the time?

you can submit claim for both

yes...you can claim both

For insurance claiming i need to submit the medical receipt right? if i wan to claim for both insurance can i use photocopy of the receipt or insurance company needs ori receipt?

give photocopies to your insurance agents...keep the original

you can contact your insurance agents, and they will tell you what they need. You already paid for their service, so use it