Many modern health insurance plans in India come with tempting add-ons like “Power Booster,” “Super Recharge,” “Sum Insured Doubler,” or “Guaranteed Bonus.” These features, offered by insurers such as ICICI Lombard, Niva Bupa, Care, Star Health, HDFC ERGO, and many other insurers, promise to increase your sum insured automatically every year. In this, the sum insured increases by 50% to 100% every year. Some policies limit the number of years up to which the bonus keeps accru