Suraj's Post

🏥 The most overlooked health insurance clause could cost you lakhs Many people see “Restoration Benefit” and assume their cover automatically refills after every claim. That is not always true. 📌 What you should check: • Does restoration activate only after the entire sum insured is exhausted? • Is the benefit available for the same illness? • Can the same insured person use the restored amount? • Does partial exhaustion also trigger restoration? For example: A ₹5 lakh policy with a ₹4.8 lakh claim may still have ₹20,000 left. In many policies, restoration may not activate because the original cover was not fully exhausted. This can lead to unexpected out-of-pocket expenses during a second hospitalization. A low premium and high coverage amount do not tell the full story. The real value of health insurance lies in the claim conditions, not the marketing brochure.

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This post was published on 14th June, 2026 by Suraj on his Instagram handle "@myfintaxofficial (MYFINTAX | Finance & Tax Educator | CA Suraj Soni)". Suraj has total 252.0K followers on Instagram and has a total of 3.1K post. Suraj receives an average engagement rate of % per post on Instagram. This post has received 12 comments which are greater than the average comments that Suraj gets. Overall the engagement rate for this post was than the average for the profile.