Hey Jignesh

There are plans that offer once a year restoration for multiple illnesses & without any cooling period - which I feel is a better alternative.

Please understand a restoration benefit mainly is a marketing feature in a plan, yes you can truly use it but you'd like to choose a plan that does not put any cooling period restrictions on you.

The restoration feature you choose is a matter of personal choice, though be informed of the conditions surrounding it & your mothers health needs.

Hey Jignesh,

There are plans which gives you coverage for related restoration and unrelated restoration for unlimited times.

If you are taking just base policy of 5 lakhs then restoration for related illness is suggested.

If you are opting for 20 lakhs cover then restoration for unrelated illness can be taken.

I am available to help you out

Thanks &:Regards

Vikram Aralikatty CFP