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what is the restore or recharge feature on my health insurance say you have a family floater health insurance policy what happens when one of the family member falls ill and uses up the entire coverage amount how do the other members remain protected in comes to your rescue the unique restore or recharge feature some insurance companies have introduced policies with this feature to help you out when you or your family run out of the coverage amount and need an additional layer of protection heres how it works say mr eggman has a family floater policy of 5 lakh rupees and he suffers a heart attack the hospital bill runs up to four lakh fifty thousand rupees so the policy has only fifty thousand rupees left now mrs eggman slips and needs a hip surgery surely it will cost a lot more than fifty 000 rupees heres when the magical restore benefit will kick in and help them out they have another 5 lakh rupees from the restore in addition to the 50 000 rupees to pay for her surgery the only