Automatically refills 100% of your sum insured if exhausted during a policy year.
Restoration Benefit (also called Reinstatement or Refill Cover) is a powerful feature in modern health insurance policies that automatically restores 100% of your base Sum Insured if it gets completely or partially exhausted due to hospitalizations during the policy year.
Anil has a ₹5 Lakh health floater cover for his family. In March, his son is hospitalized and ₹5 Lakhs is paid out, exhausting the cover. In July, his wife needs hospitalization. The Restoration Benefit automatically refills the ₹5 Lakh sum insured, allowing his wife's treatment to be covered cashless.
Some restoration benefits activate only for unrelated illnesses, while advanced policies offer restoration for both related and unrelated illnesses.
Many policyholders misunderstand this clause until a claim actually occurs. Always verify the exact definitions in your policy wording schedule rather than relying on verbal marketing summaries. Disclose all material facts truthfully at the time of proposal to help ensure smooth claim assessment without non-disclosure issues.
Restoration benefits apply within the active policy year and do not carry forward to subsequent renewal years.
Always choose health plans offering 100% Unlimited / Automatic Restoration Benefit for family floaters.
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