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/Sum Insured Restoration
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Pick a coverage concern and see its exact policy terms, compared side-by-side across top Indian health insurance plans.
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Step 1Coverage Directory
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Step 2Feature Library
Big hospital bills
Every feature behind Big hospital bills, deciders first - pick one to see how the plans differ.
5 more features here look much the same across the plans we cover - they rarely decide the choice.
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
Every plan, ranked11 · 7 strong · 4 standard
Star HealthStrongSuper StarRefills 100% of your cover, any number of times a year
Strong
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
How it's coveredIncluded in the base plan
What the insurer calls itAutomatic Restoration of Sum Insured
RefillsRefills 100% of your cover, any number of times a year
Illnesses eligible for refillCan be used for the same illness or a new one - a repeat admission for the same illness within 45 days counts as the same hospitalisation and cannot use the refill
Activates FromFrom Day 1 (no trigger needed)
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 BirlaStrongActiv One · NXTRefills 100% of your cover, any number of times a year
Strong
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
How it's coveredIncluded in the base plan
What the insurer calls itSuper Reload
RefillsRefills 100% of your cover, any number of times a year
Illnesses eligible for refillCan be used for the same illness or a new one
Activates FromFrom Day 1 (no trigger needed)
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 HealthStrongCare SupremeRefills 100% of your cover, any number of times a year
Strong
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
How it's coveredIncluded in the base plan
What the insurer calls itUnlimited Automatic Recharge
RefillsRefills 100% of your cover, any number of times a year
Illnesses eligible for refillCan be used for the same illness or a new one
Activates FromFrom Day 1 (no trigger needed)
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.
Star HealthStrongStar Health AssureRefills 100% of your cover, any number of times a year
Strong
Your Sum Insured refills automatically the moment you use part or all of it - up to 100% each time, an unlimited number of times in a policy year. The refilled amount pays only a later hospitalisation, not the bill that used up your cover, and a single claim under restoration is capped at your Sum Insured.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
What the insurer calls itAutomatic Restoration of Sum Insured
RefillsRefills 100% of your cover, any number of times a year
Illnesses eligible for refillCan be used for the same illness or a new one - a repeat admission for the same illness within 45 days counts as the same hospitalisation and cannot use the refill
Activates FromFrom Day 1 (no trigger needed)
Watch out
A relapse of the same illness within 45 days of your last consultation counts as the same hospitalisation, so the refill will not pay for it. Restoration also does not raise what one bill can be paid - your ceiling for a single claim stays your Sum Insured plus the bonus you have accrued.
ICICI LombardStrongElevateRefills 100% of your cover, any number of times a year - all refills in a year together cannot cross 100% of your Sum Insured
Strong
Once a claim has been paid in the year, later bills can draw up to 100% of your Sum Insured again, any number of times, for the same illness or a new one. Two limits set its real size: the first claim of each year never gets it, and a year's resets cannot cross 100% of Sum Insured.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
What the insurer calls itReset Benefit
RefillsRefills 100% of your cover, any number of times a year - all refills in a year together cannot cross 100% of your Sum Insured
Illnesses eligible for refillCan be used for the same illness or a new one
Activates FromAfter First Paid Claim
Watch out
The first claim of a policy year never gets the reset, so one large bill early in the year is paid only from your Sum Insured and accrued bonus. If you buy the Vital Essence add-on, the reset drops from unlimited times to once a year.
HDFC ERGOStrongOptima Secure · Optima-SelectRefills 100% of your cover, any number of times a year
Strong
Restore Benefit adds back 100% of your Base Sum Insured the moment an claim uses up your cover, partly or fully. Optima Select, Optima Lite and Optima Secure+ restore an unlimited number of times. The restored money pays only claims that come after it, not the bill that used up your cover.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
What the insurer calls itAutomatic Restore Benefit
RefillsRefills 100% of your cover, any number of times a year
Illnesses eligible for refillCan be used for the same illness or a new one
Activates FromAfter First Paid Claim
Watch out
The refill cannot pay the bill that exhausted your cover - one single claim can never exceed your Base Sum Insured plus whatever Secure Benefit and bonus are left. If you take a ₹10 lakh aggregate deductible or higher, the Automatic Restore Benefit does not apply at all.
Niva BupaStrongReAssure 3.0 · ClassicRefills 100% of your cover, any number of times a year
Strong
ReAssure Forever refills your cover after your first paid claim, and once switched on it stays on for life as long as you renew without a break. Each refill can pay up to your Base Sum Insured, there is no limit on how many times it refills in a year, and it can top up the same bill that used up your cover.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
What the insurer calls itReAssure Forever
RefillsRefills 100% of your cover, any number of times a year
Illnesses eligible for refillCan be used for the same illness or a new one
Activates FromAfter First Paid Claim
Watch out
Your very first paid claim only triggers ReAssure Forever - it does not get the refill itself. If you break renewal, the trigger is lost.
HDFC ERGOStandardOptima RestoreRefills 100% of your cover, once a year
Standard
If a claim uses up part or all of your cover, the policy adds back 100% of the Basic Sum Insured at once. That money pays your later hospital stays in the same year, and it refills once a year. One single bill is still never paid more than the Basic Sum Insured plus the Multiplier Benefit.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
What the insurer calls itRestore Benefit
RefillsRefills 100% of your cover, once a year
Illnesses eligible for refillCan be used for the same illness or a new one
Activates FromFrom Day 1 (no trigger needed)
The catch
One claim is never paid more than the Basic Sum Insured plus the Multiplier Benefit. In the insurer's own illustration on a ₹5 Lakh cover, a fourth claim of ₹7,00,000 is settled at ₹5,00,000 and you pay the remaining ₹2,00,000 from your own pocket.
Star HealthStandardStar ComprehensiveRefills 100% of your cover, once a year
Standard
Once in a policy year the full Basic Sum Insured is added back, but only after both your Sum Insured and any accrued Cumulative Bonus are completely used up. The restored amount pays a later hospitalisation, including for an illness already claimed.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
What the insurer calls itAutomatic Restoration of Sum Insured
RefillsRefills 100% of your cover, once a year
Illnesses eligible for refillCan be used for the same illness or a new one - a repeat admission for the same illness within 45 days counts as the same hospitalisation and cannot use the refill
Activates FromFrom Day 1 (no trigger needed)
The catch
The refill starts only after the cover and the bonus are completely used. If a bill uses part of your Sum Insured, nothing is added back. Day care, modern treatments, home care and organ donor claims cannot draw on it at all.
Care HealthStandardCare AdvantageRefills 100% of your cover, once a year
Standard
If a paid claim uses up your Sum Insured, Automatic Recharge puts the full base cover back once in the policy year, for the same illness or a different one. The refill pays only later claims - it cannot top up the bill that used up your cover. An optional cover makes the refill unlimited.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
What the insurer calls itAutomatic Recharge
RefillsRefills 100% of your cover, once a year
Illnesses eligible for refillCan be used for the same illness or a new one
Activates FromFrom Day 1 (no trigger needed)
Watch out
The recharge is used last - only after your Sum Insured, No Claims Bonus and No Claims Bonus Super are all finished.
Star HealthStandardFamily Health OptimaRefills 100% of your cover, up to 3 times a year
Standard
If a claim uses up your whole cover, the policy puts back 100% of the Sum Insured - up to three times in a policy period. The restored amount pays only for an illness unrelated to the one already claimed, and it cannot pay the bill that used the cover up. Modern Treatment claims are left out.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
What the insurer calls itAutomatic Restoration of Sum Insured
RefillsRefills 100% of your cover, up to 3 times a year
Illnesses eligible for refillCan be used only for a new illness, never the one already claimed for - a repeat admission for the same illness within 45 days counts as the same hospitalisation and cannot use the refill
Activates FromFrom Day 1 (no trigger needed)
Watch out
Each restoration starts only after the previous one is spent, and anything left over does not carry into the next year. A repeat of the same illness within 45 days of your last consultation counts as the same hospitalisation, so the restored cover will not pay for it.
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Or read one we prepared for Sum Insured RestorationSuper Star vs Optima RestoreSuper Star vs Star ComprehensiveOptima Restore vs Star Comprehensive
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