When your health insurance Sum Insured gets exhausted due to hospitalisation treatments midway during the policy period of one year, the automatic restoration benefit restores an equivalent amount of the Sum Insured for the remainder of the policy period.
This restored sum insured, with most insurers’ health insurance plans, will not cover the treatment of the same ailments that exhausted the original sum insured. The restored amount can be used for any other treatment or for any other member of the family.
However, few insurers in their specific health insurance plans, provide restoration benefit for the same ailment also. You can check and choose the plan accordingly as you would like to have.