What is the restoration benefit in health insurance?
In shortA restoration benefit refills your sum insured, once or more in a policy year, after you use it up. It helps most on a family floater, where one big claim can leave little for everyone else.
Conditions vary: some plans restore only for a different illness, some only once a year, some only when the cover is fully used. The refilled amount can’t be carried into the next year.
Check yours
- Search for “restoration”, “recharge” or “reinstatement” in your wording.
- Note whether it covers the same illness and how many times a year.
Find the restoration in your policyUpload your policy PDF and see it in plain words, with the page it’s on. ₹99 per policy.
Questions people ask
Does restoration work for the same illness?
Only in some plans. Many restore cover for a different illness only.
Can restoration be used for one large claim?
In most plans, no: the restored amount is for later claims. A few newer plans allow it within the same claim.
General information, not advice. Your policy’s own wording decides what it pays; IRDAI figures are from its Master Circular on Health Insurance Business (May 2024).