Health Insurance Renewal

Most insurance companies in India provide online health insurance renewal facilities. Online policy renewal not only saves your time but also provides flexible online payment options. Besides, renewing your health insurance policy on time can make sure that you are never out of a health cover.

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      Benefits of Renewing a Health Insurance Policy Before Expiry

      Take a look at the key benefits of renewing your health insurance policy before its expiry:

      • Uninterrupted Coverage– Renewing your health insurance policy on time is important to ensure uninterrupted coverage. If your policy lapses, your medical expenses will not be covered by the insured and you may also lose your No Claim Bonus. Moreover, you need to renew your policy before expiry to get medical coverage even at an age when you are no longer eligible to buy a new policy.
      • Tax Benefits– Tax benefits can be availed on health insurance premiums under Section 80D of the Income Tax Act, 1961. By renewing your policy on time, you ensure tax savings on your premium amount.
      • Higher Premium– Health insurance policy should be renewed before expiry to avoid paying a higher premium amount. If your policy lapses, you may have to pay a higher premium to buy a new health policy.

      How to Renew Health Insurance Policy Online at

      Health insurance online renewal on is a fast and simple process that takes just a couple of minutes to complete. All you need to do is follow the steps given below to renew your health insurance policy online:

      • Visit the official website of Policybazaar Insurance Broker Private Limited
      • Go to the ‘Renew Your Policy’ option on the menu bar and click on ‘Health Renewal
      • Log in to the website by entering your registered mobile number or policy number
      • Fill up other required details regarding your policy
      • Add/remove any coverage, family member or change the sum insured if desired
      • Make the payment for the renewal premium online via debit card/ credit card/ net banking
      • Once your payment is successful, you will be issued a digitally signed copy of the policy. The policy document can be downloaded and printed anytime.

      Grace Period Benefits During Health Insurance Renewal

      Grace period benefits are provided to all policyholders at the time of health insurance policy renewal. Grace period offers you an additional time period to renew your policy even if the policy has expired. Most health insurance plans in India offer a grace period of 15 or 30 days.

      Although no insurance coverage is provided during the grace period, the policy does not lapse. If you do not renew your policy even during the grace period, it will lead to policy lapse and you may lose your accumulated benefits, including waiting period benefit, etc.

      Things to Remember While Renewing a Health Insurance Policy

      A lot of things should be kept in mind at the time of renewing your health insurance policy to avoid any hassles later. Below are some essential things that you must remember while renewing your health insurance policy:

      1. Renew Your Policy before the Due Date

      You should renew your health insurance policy before its expiry. If you don’t renew your health insurance policy before the deadline, you will be provided with a grace period of up to 30 days depending on the policy. If you fail to pay the renewal premium for your policy even during the grace period, your policy will lapse.

      As per the guidelines of the Insurance Regulatory & Development Authority of India (IRDAI), you will not be provided with any health insurance cover if your policy has lapsed. Moreover, you can also end up losing your no claim bonus if you do not renew your policy within 90 days of its expiry.

      2. Review Your Health Insurance Requirement

      At the time of renewing your health insurance policy, you must review your insurance requirements. Check the coverage under the existing policy and add/remove any cover as per your needs. If you wish to add a family member to the policy, now is the time. You can also include or remove any rider from your health policy during renewals.

      3. Revise the Sum Insured under Your Health Insurance Policy

      While reviewing your insurance requirements, you must also review the sum insured of your health insurance policy. If you feel the sum insured is insufficient, then you must increase your sum insured while renewing your policy.

      4. Disclose any New Illness or Medical Condition

      When renewing your health insurance policy, you must disclose any new illness or medical condition that you may have developed during the policy tenure. Your medical conditions can impact your insurance premium and therefore, is mandatory to disclose to the insurer. If you hide any medical condition or illness, it may lead to rejection of claims later.

      5. Check for Any Changes in Terms & Conditions of Your Policy

      Before paying the renewal premium, you must go through the terms and conditions of your health insurance policy. You should ensure that your policy terms are the same while renewing the policy. According to IRDAI guidelines, any change in the policy terms can only be done with their approval and has to be intimated to the policyholder at least three months before the expiry date.

      6. Inform Your Family About the Policy Changes

      Once you have renewed your health insurance policy, you must inform your family, especially your spouse and heir, about the changes made to the policy. Provide them with the details of the policy so that they can access it at the time of an emergency.

      Can You Transfer Health Insurance Policy During Renewal?

      Yes, you can transfer your health insurance policy to another insurance company at the time of renewal. This feature is termed as ‘insurance portability’ and is mandatory to provide for all insurance companies in India as per the IRDAI guidelines. A request for insurance portability should be raised at least 45 days before the expiry date of the existing policy. In case of a delay, the new insurance company can reject your portability request.

      When you switch over to another health insurance provider, your no claim bonus and waiting periods are also transferred from your previous policy. The waiting period covered under the previous plan is reduced from the waiting period of the new policy. As a result, you only have to spend the remaining waiting period to raise a claim.

      For example, Insurer A covers pre-existing diseases after a waiting period of 4 years. After 2 years, you decide to switch to Insurer B that covers pre-existing diseases after 3 consecutive years. Therefore, you will now be able to raise a claim for pre-existing diseases after waiting for only 1 year due to the insurance portability feature.

      Factors to Consider While Renewing a Health Insurance Policy

      You must consider the following factors while renewing your health insurance policy:

      • Health Insurance Coverage– Check the existing coverage of your health policy and modify the coverage if required as per your current medical requirements.
      • Sum Insured Enhancement– Enhance the sum insured under your health insurance policy if you feel that the existing amount is not enough.
      • Renewal Terms– Go through the terms of your health policy at the time of renewal so that there are no discrepancies.
      • Policy Upgrade – Upgrade to another health insurance plan if you find the coverage and benefits under your existing policy is insufficient.
      • Health Insurance Portability – Switch your health insurance company if you are not satisfied with the services of your current insurer.
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:-

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      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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