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/Sum Insured Restoration
Find what matters most to you.
Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
41 features mapped
6 coverage topics
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The concerns that cost the most when a plan gets them wrong
Step 1Coverage Directory
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Step 2Feature Library
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Step 3Plan Comparison
What is Sum Insured Restoration in health insurance?
If you use up your entire cover amount during the year, this feature automatically tops it back up so you can make more claims in the same year. Especially valuable for families where multiple members might need hospitalisation in a single year.
Also called: restore benefit · recharge benefit · reinstatement of Sum Insured · refill benefit
Star Health
Super Star
StrongCommonly Missed
Automatic Restoration puts back what a claim has used, unlimited times in a year and up to 100% of the Sum Insured each time. It triggers as soon as a claim uses part or all of your cover, and the restored amount pays your next hospitalisation, for the same illness or a different one.
Coverage detailstap any row to understand it
Watch out
If you are hospitalised again for the same illness within 45 days of your last consultation, the policy counts it as the same hospitalisation, so the restored cover does not pay that admission.
Aditya Birla
Activ One – NXT
StrongCommonly Missed
Super Reload refills your full base cover whenever a claim exhausts it or falls short, with no limit on how many times in a year. Because it also triggers on a shortfall, it can pay the same bill that ran out of cover. On most plans the first claim in the life of the policy gets no reload; NXT is the exception and reloads from day one.
Coverage detailstap any row to understand it
Watch out
On every plan except NXT, the very first claim in the life of the policy gets no reload. If that first claim is a large one, you pay everything above your base sum insured and accumulated Super Credit from your own pocket.
Care Health
Care Supreme – Base
StrongCommonly Missed
Unlimited Automatic Recharge puts your full base Sum Insured back, any number of times in a policy year. It becomes available only after your base Sum Insured, Cumulative Bonus and Plus Benefit are completely used up, and it pays only for hospitalisation and road ambulance claims.
Coverage detailstap any row to understand it
Watch out
The recharge cannot pay the bill that used up your cover. The policy's single-claim maximum counts your Sum Insured, Cumulative Bonus, Cumulative Bonus Super, Plus Benefit and Unlimited Care, but not the recharge, so one very large hospital stay is still limited to those. Any recharge you do not use is lost at the end of the policy year.
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Or read a full head-to-headSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
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