Knowledge Centre

What is the Buzz about Sum Insured Rebound ?

If you have ever bought a health insurance policy, you surely might have come across terms like restoration benefit or sum insured rebound. It is an amazing feature that allows restoration of the entire sum insured if it gets exhausted for the policy year due to the claims made.

It comes especially handy in case of family floater policy where the sum insured is shared by all the people insured. In this case, if a family member falls ill and uses the total sum insured, it leaves the other family member without health insurance. If your policy offers sum insured rebound, it means other family members still can use the insurance policy up to the base sum insured

How Does it Work?

Let us explain it with the help of an example. You have faced a serious illness and have used the entire sum insured of 4 lakh for the policy year. Now, if you face an accident and the hospital expense is 2 lakh rupees, in general scenarios you will have to pay the money from your pocket. But if your policy offers sum insured rebound, it will pay the entire bill of 2 lakh again

What are the Conditions for Sum Insured Rebound?

  • Restoration benefit is available for different illness and not for the same illness for which you have already made a claim in the policy year
  • Sum insured rebound is not available for the first claim. Which means if your total sum insured is 5 lakh and your first illness bill is of 6 lakh, you will need to pay the additional 1 lakh by yourself
  • You cannot carry forward the remaining value of sum insured rebound to the next policy year

HDFC Health Insurance

If you are looking for a health insurance policy that offers the sum insured rebound feature, this is the right policy for you. HDFC Ergo my:health Suraksha policy offers sum insured rebound even on the partial exhaustion of the policy. Also, one can claim for same illness multiple times in the policy year with the sum insured rebound feature. In case of treatment for critical (or recurring )procedures like Chemotherapy and Dialysis, the sum insured rebound will be applicable only once in the lifetime of the policy


Sum insured rebound is an great benefit that helps you when sum insured is exhausted. When buying a health insurance policy, it is recommended to opt one with this option. Also, do not forget to read the fine prints and understand the terms and conditions attached.

The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

*T&C apply. my:health Suraksha HDFHLIP20049V041920, UID No: D2HI539

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