Does High BMI Affect Eligibility for Unlimited Restoration Benefits?

Insurers often offer various additional benefits to policyholders for extra financial coverage. One such offering is the restoration benefit that has the ability to automatically reset the sum insured. Read on to learn about these benefits in detail and understand if a high BMI value can impact their eligibility for them.

What are Restoration Benefits?

Restoration benefits allow automatic resetting of the sum insured back to the original amount once it is completely exhausted. This feature is extremely beneficial for policyholders who go for multiple treatments in a single policy year and raise frequent claims for financial coverage.

Primarily, there are two types of restoration benefits:

Partial Sum Insured Utilisation

Some insurers offer the restoration of the sum insured even after partial usage.

Complete Sum Insured Utilisation

Mostly, insurers offer restoration only after complete exhaustion of the sum insured.

What are the Advantages of Restoration Benefits?

The auto restoration of the sum insured allows people to get financial coverage for undergoing multiple diagnoses and treatments in a single year. This is beneficial for people who are prone to developing various health conditions. People with high BMI values belong to one such group that undergoes frequent medical procedures.

Who is Eligible for Restoration Benefits?

Usually, insurers offer restoration benefits to people with floater policies or individual plans. It is to be noted that the benefits come into play only when the sum insured is completely exhausted. Also, they are applicable only for the treatment of the same illness in the next hospitalisation and can be carried forward to the next policy period if they remain unused.

What is the Impact of High BMI on Restoration Benefits?

Usually, having a high BMI does not make a person ineligible for enjoying the restoration benefits. However, their health condition can have an impact on other aspects of their insurance policy. This is because people with a high BMI value are prone to various weight-related conditions, resulting in frequent claims.

The impacts include an increase in policy premiums because insurers levy extra charges, rejection of policy requests due to the anticipation of losses, and the requirement of a comprehensive health report before approval. Additionally, the insurer can change policy clauses and increase scrutiny during claim requests for people with a high BMI.

How to Manage High BMI?

Managing BMI is a must, given that the impacts mentioned above can leave them without financial protection during expensive medical treatments. For this, they need to eat a balanced diet, work out regularly, control smoking and alcohol consumption habits, and join wellness programs offered by the insurer.

Final Thoughts

Restoration benefit is one of the most important features to count on when having a family floater plan, where every member shares the sum insured. Hence, if a member has a high BMI, it would be prudent to manage it effectively to ensure that all the other members can get the maximum benefits of the health insurance policy.