Updated on - 06 Feb 2026
Health insurance is an important part of everyone’s life. It functions as a financial safety net and helps reduce stress related to hospitalisation, doctor consultations and treatment costs. Regularly checking your health insurance policy status ensures that you stay informed about important details such as coverage, premium payments and renewal dates. This helps you confirm that your policy remains active and ready for use during medical emergencies.
This blog talks about how to quickly and effectively check your health insurance policy status, both online and offline.
How to check your health insurance policy’s status online?
To check your health insurance policy status online, you need to follow the steps mentioned below:
- Visit the website or app of your health insurance provider.
- Click on the ‘Customer Login’ or ‘Sign In’ option.
- Use your registered mobile number, email ID or policy number to log in.
- Go to the ‘My Policies’ or ‘Policy Status’ section.
- Select your health insurance policy to view details.
- Check coverage, renewal date and premium status.
- Download or save the policy document for reference.
How to check your health insurance policy’s status offline?
The offline process for checking your health insurance policy status is slightly more time-consuming than the online one. Here’s how you can do it:
- Visit the closest branch office of your insurance provider.
- Carry your policy number, ID proof and any related documents.
- Request the representative to check your policy status.
- They will verify your details and share the policy information.
- You can also ask for a hard copy of your policy status or renewal details.
- Alternatively, contact customer care through the toll-free number for quick assistance.
Importance of checking health insurance validity
Checking the validity of your health insurance policy is important for the following reasons:
- It keeps you up-to-date on your eligibility to make medical claims when needed.
- It helps with the timely payment of premiums, avoiding penalties for late renewal.
- It lets you to track any updates or changes made by the insurer.
- It keeps you informed about your policy’s coverage, inclusions and exclusions.
Documents required to verify your health insurance policy
To verify your health insurance policy, you need to collect in place some important documents. Keep your policy number handy, as it is the primary reference for any verification process.
A valid ID proof, such as Aadhaar, PAN card, driver’s license or passport, is required to confirm your identity. For family health insurance, you may also need dependent details like names, dates of birth and relationship with the primary policyholder.
Having your premium payment receipts or policy certificate can speed up the verification process, especially when checking the status offline or contacting customer support.
What to do if your policy has lapsed?
In case your health insurance policy has lapsed, follow these steps:
- Check to see if your policy offers any grace period. Many insurance plans give a 15 to 30-day grace period, during which you can renew the policy without fines.
- Get in touch with the customer service of your insurance provider to understand the steps you can take to reinstate your policy.
- You can buy a new policy if renewing the previous one is not possible.
How to read and understand your policy details
You should absolutely know how to read and understand your policy details because this information helps you choose the best plan for yourself. Start by reviewing the sum insured, which is the maximum amount your insurer will pay for medical expenses during the policy term.
Check the coverage inclusions and exclusions carefully. This includes hospitalisation, day-care procedures, pre- and post-hospitalisation expenses and specific treatments covered under your plan. Exclusions might include cosmetic procedures, certain pre-existing conditions or some treatments not listed in the policy.
Also, note important details like the premium amount, policy term, waiting periods and co-payment clauses.
Common issues while checking policy status and how to resolve them
One common issue is difficulty logging in to the insurer’s website or mobile app due to forgotten credentials. You can resolve this by using the ‘Forgot Password’ option or contacting customer support for assistance.
Another problem is wrong information in policy details, such as incorrect name, coverage amount or expiry date. These can be corrected by submitting a request to your insurer along with supporting documents like ID proof and policy certificate.
Some policyholders face delays in updating their status after payment or renewal. If this happens, keep your payment receipt handy and follow up with the insurer until the system reflects the updated status.
Benefits of regularly monitoring your health insurance policy
Regularly checking your health insurance policy helps you stay informed and protected:
- Know how long your coverage remains active.
- Identify pending renewals or missed premium payments.
- Spot and correct any errors in policy details early.
- Make informed decisions about policy upgrades or changes.
- Reduce the risk of claim rejection during emergencies.
Tips to ensure your health insurance remains active
You can keep your health insurance active by following these simple steps:
- Make sure to pay on time to keep your coverage active.
- Set auto-debit or reminders to ensure timely payments.
- Update your contact details with the insurer for renewal alerts.
- Review policy documents regularly for coverage and exclusions.
- Check that all family members are correctly listed and ages updated.
- Keep records and payment proofs for easy claim processing and dispute resolution.
How to contact customer support for policy assistance
If you face issues with your health insurance policy, the customer support team of your insurer can help resolve them quickly. You can reach them through toll-free helpline numbers, which are listed on the insurer’s website and policy documents.
Most insurers now provide live chat or AI assistant options or email support through their online portals for queries related to claims or coverage details. You’ll need to share your policy number and registered details for verification before assistance is provided.
If the issue remains unresolved, you can escalate your complaint through the insurer’s grievance redressal system or approach the Insurance Ombudsman for further help.
Conclusion
Regularly checking your health insurance policy status helps you stay informed about your coverage and renewal timelines. Being up to date reflects nicely, making sure your claims are processed without delay and that there are no surprises when you need medical support the most.
If you have additional plans like a critical illness insurance cover, it becomes even more important to monitor both policies closely. Consistent policy monitoring, whether online or offline, gives you peace of mind and keeps your health protection uninterrupted. If you need personalised health insurance advice, fill out the form on this page.
FAQs
1. Can I check my health insurance policy status using my Aadhaar number?
Yes, some insurers allow policyholders to link their Aadhaar to their health insurance account, enabling easy status checks through the insurer’s portal or mobile app.
2. What should I do if I notice an error in my policy details while checking the status?
Report it immediately to your insurer through their customer service or grievance portal. Immediate correction ensures smooth claim settlements in the future.
3. Does my critical illness insurance policy need to be monitored separately?
Yes, it’s a separate plan from standard health insurance, so you must track its validity, premium payments and coverage terms independently to ensure uninterrupted protection.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.