₹15-20 lakh. In case of customers having lower sum insured policies, one should port their policy to high sum insured. We are also seeing an uptick of 150% people porting their lower sum insured policies to the higher sum insured policies," said Amit Chhabra, head-health Insurance, Policybazaar.com.Buying a restoration plan along with your base health policy enhances health insurance cover.
Under this plan, the entire sum insured gets restored in a policy year when it gets exhausted due to hospitalisation and other healthcare expenses.“This is especially useful for family floater policies, where one sum insured is shared by multiple members of the family.