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8 Signs To Change Your Health Insurance Coverage

Published On Oct 24, 2020, Updated On Jan 22, 2021

The ever-adapting nature of new and improved health insurance policies often tends to confuse customers. The introduction of new and improved policies that cover a wider range of diseases often leaves the customers on a two-way street. 

Similarly, you can never confine yourself to a single health insurance policy and ensure that it will cover you all your life. The rising expenses of medical ailments and significant changes that occur over time, prove to be an opportunity to adapt to new and improved covers. 

Shifting to a new health insurance coverage has its own benefits, some of which include:

  • Improved protection against a wide variety of diseases.
  • Added benefits on hospitalization expenses.
  • An ever-changing lifestyle that gives rise to new demands. 

However, it is hard to understand the right time to shift to a new health insurance policy due to the ever-changing nature of this market segment. 

8 Signs Why You Should Change Your Health Insurance Coverage

Having health insurance is good but having the right insurance cover is important. You can only come up with the right insurance cover when you know the right time to switch. Here are the  signs that encourage you to switch: 

1. Increasing Medical Expenses: The medical expenses in India have only been rising in the last few decades. Being unprepared to meet any uncertain circumstance can lead to a huge financial blow. Having medical insurance that covers your medical expenses can be a big move to secure your future. 

2. Ever Changing Needs: What most of us fail to realise while buying health insurance is that it will not meet our needs always. Increasing age introduces new diseases. You should always keep changing your health insurance coverage to meet the rising needs of medical ailments. The right health insurance should cover your regular doctor visits as well.

3. Poor Customer Services: Poor customer services have been a major turn down in the health insurance sector. Most of the companies make big claims that they fail to provide in the following years. Therefore, switching over to an insurance provider with a quick turnaround time is an added bonus.

4. Additional Covers: Insurance companies refusing cover over specific health conditions is a common picture. Therefore, having insurance that covers you well over a broad category of diseases is always a profitable move.

5. Monetary Benefits: The competitive market of medical insurance has companies coming up with new and more cost-effective ways to provide financial cover from medical expenses. It is a wise move to always revisit your insurance plans and compare them with better and more cost-effective health insurances that are present in the market.

6. Lack Of Transparency: The high documentation nature of medical insurances often has customers baffled. Most insurance providers are said to carry hidden clauses for monetary gains. These transparent policies create hurdles while claiming the insured amount. Change of insurance providers is always advisable under such circumstances. 

7. Better Offers: The booming sector of the insurance market in India has something new to offer to the customers almost everyday. Many new markets that have been introduced over the years might provide you with an advantage over premium, co-payments, and age cap limits among others. You can always look for better offers when deciding to switch your insurance plans.

8. Addition Of Family Members: Getting married or having a child leaves you with extra responsibilities to cover. Therefore, having health insurance that covers your entire family with a good sum might always be a good time to switch.


Having the right health insurance is a matter of wise decisions and quick adaptation. It is always advisable to keep an eye on the updated insurance policies that keep you covered with the best options.   

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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