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What Happens If Your Health Insurance Sum Insured Gets Exhausted Mid-Year?

What Happens If Your Health Insurance Sum Insured Gets Exhausted Mid-Year?

Swetha Guru
—
October 9, 2026

Exhausting your health insurance sum insured mid-year due to high medical bills does not make your policy invalid. Features like restoration benefits, cumulative bonus cover, or secondary policies can still help pay subsequent hospitalisation expenses under policy conditions.