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Things To Remember When Renewing Your Health Insurance Policy Online

Published On Oct 07, 2021

Health insurance plans are crucial as they protect the individuals against high cost of treatment at private hospitals. Due to the rise in inflation, the basic cost of hospitalization has increased dramatically leading to financial burden over the individuals. It also drains the entire financial savings of the policyholders, thus burning a hole in their pocket. Therefore, in order to support the people in difficult times, health insurance providers have rolled out health insurance plans at affordable premium rates which not only protect the people against the financial constraints but also ensures quality treatment at the time of the hospitalization. A lot of people have realised the importance of the health insurance policy, due to the global spread of the coronavirus pandemic. 

Health insurance plans come with a lot of procedures attached with it which can now be achieved with the help of technological advancements. The purchasing, renewing, and claiming of health insurance plans can be done online without much effort. It not only saves the policyholders from the hectic documentation but also saves their time. Health insurance plans come with a policy tenure, after which the plan cannot be availed. Therefore, to continue availing its services, it is important for the policyholders to renew their health insurance plans on time. 

Things To Remember When Renewing Your Health Insurance Policy Online

Importance of Health Insurance Plan Renewal

Health insurance plans have a certain time limit for which they are available to the policyholders. After the expiry of the plan, the policy benefits cannot be availed by the individuals. Before the due date of the health insurance cover bought, the policyholders must get their plans renewed to continue availing the same set  benefits under the health insurance plans. When investing in a health insurance plan it is important to get a plan with lifetime renewability services to make sure that there is no maximum age limit for the renewability of the health insurance plan. 

Must Read: What Is The Grace Period For Health Insurance Renewal?

Things To Remember When Renewing Your Health Insurance Policy Online

Following are some of the key points which must  be considered when renewing your existing health insurance plan online: 

  • Get The Plan Renewed Prior To The Due Date 

You must not rush for the policy renewal at the last moment. You can get your policy renewed on time before the due date or the date of expiry of the plan. The health insurance providers notify the policyholders 45 days before the due date, which serves as a reminder to renew your plans on time. 

  • Add Members Under The Plan 

At the time of the renewal of your health insurance plan, you can add or remove members from your family floater plan. You can get any other necessary changes made at the time of the renewal. 

  • Disclose Changes In Health 

Health insurance plans are renewed after a specific period of time, and during that period you can experience significant changes in your health profile. Hence, it is important to take it into notice and inform your health insurer regarding the same. This will help you in receiving smooth and cashless claims at the time of the treatment of the respective medical condition. 

  • Alter The Sum Assured

You can get any changes done at the time of the renewal of your health insurance policy. Therefore, if required you can alter the claim amount under your plan. If the sum assured is higher than your financial budget, or it is insufficient to meet your growing requirements, then you can increase or decrease the amount accordingly based on your needs. 

  • Consider The Policy Terms

You must always look into your policy terms before renewing the health insurance plan to make sure that all the necessary inclusions have been made under the plan. Sometimes, the policy terms can hold certain discrepancies which you can sort with the cooperation of your health insurance provider. 


Health insurance renewal must be done on time, without any delay to make sure that you can avail the desired set of benefits under your plan. Also, if the renewal is not done on time, then the policyholders have to go through the load of buying a new health insurance plan which will involve the process of documentation and choosing of health insurance policies. 

Also Read: Tips To Renew Health Insurance Policy Online

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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