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What Is The Restoration of Sum Insured In Health Insurance?

Published On Nov 29, 2021

Health insurance plans come with a specified claim amount based on which the coverage of the plan is determined by the insurer. The features and benefits in a health insurance plan can be added by paying extra premiums. One of the essential features of health insurance plans is the restoration of the sum insured under the health insurance plans. Under this benefit, the sum insured under a plan is resorted to the original amount in case of exhaustion. The exhaustion of the original claim amount can be complete or partial based on the type of restoration feature chosen by the policyholders. This helps the policyholders in having sufficient amounts of aid for medical emergencies. It supports the people in case of an emergency and ensures the quality treatment without any hurdles.

About Restoration of Sum Insured Under Health Insurance Plans

Restoration of sum assured restores the claim amount of the health insurance plans in case of the exhaustion of the original amount. This restored amount can be used in the future as the claim amount of the plan that can compensate for your medical expenses in case of an emergency. This benefit acts as a backup plan and comes into action as soon as the original sum assured is exhausted. It makes sure that the policyholders have enough money in their plan to compensate for their medical expenditures without any hassles.

What Is The Restoration of Sum Insured In Health Insurance?

Types of Restoration of Sum Insured

There are two different types of restoration benefits under a health insurance policy, namely:

1. Complete Exhaustion of Sum Insured

Under this the benefit will come into action only when the original claim amount is exhausted completely.

2. Partial Exhaustion of Sum Assured

This restoration benefit comes into action as soon as a part of the sum assured is exhausted after making a claim under the purchased health insurance policy.

Must Read: List of Diseases Covered In Health Insurance

Who Should Invest In A Restoration Benefit?

Some health insurance providers offer restoration benefits under their regular health insurance plans, while in some plans you must add it as an additional cover to enhance the coverage of the existing health insurance coverage. People with family floater health insurance plans must invest in restoration benefits as due to certain circumstances there are chances that their sum assured is exhausted in the treatment of a single individual insured under the family, thus leaving nothing for the other members of the family insured under the plan. Therefore, to have a financial backup for the other insured members of the family and their medical security, it is better to have a restoration cover.

Key Points Regarding The Restoration of Sum Insured In Health Insurance

Let us look at some of key points that must be considered when looking for restoration benefits under a health insurance plan:

  • These benefits come into action for an unrelated medical condition.
  • This is mostly available as an add-on benefit under the plan that must be purchased with an extra premium amount by the policyholders.
  • With affordable premium cost, this benefit can be included under your regular plan at the time of the purchase.
  • This benefit comes into action after the original sum assured is exhausted partially or completely.
  • This benefit is not applied in the first claim made by an individual under their purchased plan.
  • Restoration benefits can be applied to any given sum assured as there are no caps on the type of plan that it can apply to.


The restoration cover can be bought by people with a family floater health insurance, so that they can have some financial backup for the other members insured under the plan in case of exhaustion of the sum assured under basic cover. You must go through the terms of the add-on covers that are being included under your purchased health insurance plan to understand your policy better.

Also Read: Are Critical Illnesses Covered In Health Insurance?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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