There is a coverage limit on Reserve Benefit under the plan. This benefit covers the OPD expenses incurred by the policyholder on consultations, diagnostic tests, medicines, etc. After the end of the policy year, if the Reserve Benefit coverage is not utilised in full, the unused amount is carried forward to the next year. This accumulation continues every year there is an unused balance. Moreover, 6% bonus is also added on the carried forward balance. The accumulated balance can then be used to pay the premium or for OPD expenses.