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Check These Things Before Renewing Your Health Insurance

Published On Apr 30, 2022

A standard health insurance coverage lasts a year and must be renewed each year. Despite the fact that insurance companies send out renewal reminders, it is the individual's responsibility to renew their contracts on time. This assures that the policy's benefits, including as pre-existing condition waiting periods and no-claim bonus accrual, are not lost. If a health insurance policy is not renewed on time, it will expire and the policyholder will no longer be eligible for benefits. Policyholders who are unaware of the underlying mechanics of the health insurance policy renewal procedure forfeit their benefits and must start a new policy, whether with the same provider or a different insurer.

What Considerations Should a Person Make When Renewing Health Insurance?

When it comes to health insurance renewal, the following factors should be considered:

1. Health Updates

As a responsible health insurance policyholders, we must notify your insurer of any changes in your health status. Notify your existing insurance if you are dissatisfied with their services. Send the insurer a formal request to close the policy in writing at least 30 days before your existing insurance expires.

2. Payment Bonuses

It is the obligation of the policyholder to pay the insurance company's premiums on time and to maintain the health insurance policy up to date. The receipt of your premium payment certifies your commitment to the continuation of the plan.

3. Grace Period

If you fail to update your health insurance coverage on time, your insurance provider may provide you with a 15-day grace period. You must renew your insurance within the time frame specified to keep it in force. You will then be eligible for continuous benefits.

4. Determine The Renewal Date

Because every policy has exclusions for one to three years, prompt renewal is critical in health insurance. There are four-year exclusions for any pre-existing conditions in specific cases. Simply put, some conditions are not covered for the set number of years in the insurance.

5. Policy Portability

Some customers may decide not to renew their health insurance because they believe another plan has greater benefits and would like to switch. Because of portability, you may continue to reap the advantages of the coverage. By transferring to a different service provider and alerting your existing insurer, you can exercise your right to the port and upgrade to higher coverage. Your choice should be communicated to them at least 45 days prior to the policy's expiration date.


Health insurance can be renewed online or in person. To pay premiums in person, you must go to the insurer's branch. The premium payment can also be collected by check, which is usually preferable. You may renew your insurance from the convenience of your own home by utilizing the online method. You should contact health insurance brokers such as as soon as possible to renew your coverage. Our executives' role is to walk prospective consumers through the process of getting, renewing, and transferring health insurance coverage. They not only understand your wishes, but they also provide you with the finest possible value.

Also read - The Tata AIG MediCare Plus (Super Top Up) Plan: Everything You Need to Know

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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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