New Delhi, Aug. 7 -- Most health insurance plans offer a base cover of Rs.5-10 lakh. But what happens if you or a family member need hospitalisation more than once in a year? And what if multiple family members are hospitalised under a floater policy-will all of them them be covered?

The answer lies in a crucial but often overlooked feature called the restoration benefit, aka recharge or reinstatement. This feature reinstates your sum insured once it is used up.

Neeraj Khushalani, founder of InsureSmart, said one of his clients-a couple with a Rs.10 lakh family floater-faced a crisis when both were hospitalised following an accident. The wife suffered a cardiac arrest and a leg fracture; the husband injured his shoulder. Their medical b...