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The restore or recharge feature in family floater health insurance provides additional coverage when the initial policy limit is exhausted. For instance, if Mr. Eggman has a policy worth 5 lakh rupees and incurs hospital expenses of 4.5 lakh rupees due to a heart attack, only 50,000 rupees remains. If Mrs. Eggman then requires an expensive hip surgery, the restore feature activates, granting them an additional 5 lakh rupees in coverage, along with the remaining 50,000 rupees. This ensures that all family members remain protected even after one has utilized a significant portion of the coverage.
