Contribution concerns sharing an indemnity-based loss between insurers when more than one applicable policy covers the same interest and event. The allocation depends on policy wording and applicable law. It does not generally mean a person can collect the full value of the same property loss repeatedly.
A Nepalese business might have overlapping property insurance arranged by both its bank and its management. Disclose other coverage when submitting a claim so insurers can assess coordination. Fixed-benefit life or personal accident policies may behave differently because they need not reimburse a single measured expense.