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The restore or recharge feature in health insurance policies, particularly family floater plans, provides additional protection when the initial coverage amount is exhausted. For example, if Mr. Eggman has a policy worth 5 lakh rupees and incurs 4.5 lakh in medical expenses for a heart attack, only 50,000 rupees remain. If Mrs. Eggman then requires hip surgery, which costs more than 50,000 rupees, the restore feature activates, providing an additional 5 lakh rupees for her treatment. This ensures that even after one member uses up the coverage, the remaining family members remain protected without losing their insurance benefits.
