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Don't I need to upgrade Basic Cover as I have a restoration facility.

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05 Jul, 2021 by  Dipak Gandhi


I have a health insurance cover of Rs.5 lac of United India.

This year onwards the company is providing me a restoration facility. Earlier I was thinking of upgrading this family floater of 3 members from Rs.5 lac cover to Rs. 10 lac cover. But I am in a dilemma : do I need to upgrade the basic cover when I already have the restoration facility.

Will you please share insights on this.

Thank you

Dipak R Gandhi

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Health Insurance

1 Answer

05 Jul, 2021
Self Employed - Digital Consultant

I would advise that you enhance your base coverage to 10 lacs. Treat RESTORATION as a bonus. Restore benefit anyways works in a very limited manner in most policies (Restored amount can be used for different illness or different insured individual).

Find out more about the restore benefit of your policy & we can have a specific discussion on this thread, if needed.

Take Care,

Asad Akbar

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05 Jul, 2021
Dipak R Gandhi
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