Imagine this: it’s a quiet Sunday morning, and you’re sipping coffee on a hospital bed after a tough 3-week stay for a heart complication. Your medical bills have added up to ₹4,88,000, just under your ₹5 lakh health insurance cover. You feel relieved that your policy is easing the financial burden—for now.
But then a thought crosses your mind. You have a combined policy for you and your wife. Now that you’ve used most of the cover, if she gets hospitalized soon, there might be no coverage left for her bills. This can be worrying.
That’s exactly where a Restoration Benefit can give you peace of mind. This feature automatically restores your sum insured back to the original amount right after a claim is paid. So, if you have ₹5 lakh cover and you use it for one illness, the full ₹5 lakh cover is replenished for the next hospitalization—whether it’s for you or your spouse.
Some policies even offer unlimited restorations, helping you stay protected through multiple health issues in a year. But be careful—other policies exclude restoration if the next claim is for the same illness (like a recurring heart condition).
If you have a combined policy or even an individual plan, opting for a restoration benefit is a smart choice. It boosts your coverage without extra cost when you really need it, providing ongoing financial security.
Always read the fine print carefully to understand how and when your cover is restored. Choosing the right restoration benefit can save you from unexpected financial stress and help you face health challenges confidently.