Policy purchase, claims, renewal & more
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Health insurance renewal is a process of paying for your health insurance policy on or before it’s expiry date. A health insurance policy usually has a validity of one year unless you opt for a multi-year policy tenure. When your policy tenure is near it’s expiry, you need to pay the applicable premium to keep the health insurance active and continue enjoying its coverage/benefits. The process of renewing your health insurance policy is simple and can be done online.
There are multiple health insurance renewal benefits. These include:
Renewing health insurance before expiry ensures continuous coverage. This means you are not left vulnerable to high medical expenses at any point.
Some insurers offer discount on policy renewal, which can help to keep your premiums low. If your policy expires and there’s a discontinuation, you might have to pay higher premiums.
Renewing your health insurance before expiry helps to preserve the waiting period that you’ve already completed. On the other hand, renewal delays or policy lapse can reset it.
Health insurance renewal before expiry gives you peace of mind as you know you and your loved ones are covered against medical emergencies.
If you have health insurance from ICICI Lombard, you can renew it easily online. To renew health insurance online:
Your health policy doesn’t immediately lapse at the end of the policy period. Once the policy period expires, you get a grace period during which you can renew your policy. The benefits include:
If there's a gap between policy expiry and renewal, it could be treated as a new policy. This means you'll lose all the benefits you earned over the years. Renewing during the grace period helps to avoid this.
Renewing within the grace period helps you continue with your existing policy. Therefore, there’s no need for fresh medical screening and tests.
If you renew within the grace period, your no claims bonus/cumulative bonus benefits remain intact. If you delay beyond the grace period, you may lose the bonus.
If your policy lapses, you might need to go through the full process of buying a fresh policy. Health insurance renewal during the grace period helps you avoid these hassles.
Generally, you don’t need to provide any documents to renew health insurance. However, it’s better to check with your insurer if you need to provide any documents to do so. You might need to provide documents related to your age and identity for renewal if required.
There are certain things you need to remember when you renew health insurance. These include:
Look at your current coverage and determine whether it’s adequate. If not, opt for a higher sum insured during renewal.
Evaluate whether you need any add-ons or extra cover. If yes, opt for the add-on during renewal. Add-ons help you with enhanced coverage.
Don't wait until the last day. Start checking your policy at least 2-3 weeks before it expires. This gives you time to compare options and avoid any last-minute stress.
Think about your health and your family’s health. Have there been any new illnesses, hospital visits or medical needs in the past year? If yes, you may need more coverage now.
Your renewed policy could have new terms and conditions. Read them carefully. Check for new limits, added conditions or changes in hospitals covered.
See if your preferred hospitals are still on the insurer’s list. This makes cashless claims easier and faster. Also, check the hospitals not recognised by the insurer.
Need to add any new member to your existing policy? Check the provisions to do so. Keeping all members covered is always a wise decision.
Health insurance renewal is a vital task. Doing it in a hurry can lead to mistakes. Here are some mistakes you need to avoid when you renew health insurance:
Don’t just renew without checking the details. Your needs may have changed and you need a policy that aligns with them.
If your health condition has changed, tell your insurer. Hiding it can cause trouble later when you file a claim. It could lead to a claim rejection.
Compare various health plans across insurers. Choose a policy that best suits your needs in the long run.
If your phone number, email or address has changed, update it. Wrong details can delay important communication with your insurer.
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You should renew your policy before the expiry date. It’s best to start the process 2–3 weeks in advance to avoid any last-minute issues.
If you miss the deadline, your policy may lapse. Insurers do give a grace period for renewal, but you won’t be covered during that time.
Yes, you can switch to another insurer at renewal through portability. If you port properly, you can keep benefits like waiting periods already completed for pre-existing diseases.
Yes, you can request a higher sum insured. The insurer may review your health and claims history before approving it.
Premiums may go up due to age, plan upgrades or changes in insurer pricing. Check with your insurer about these changes.
Yes, you can add family members like a new born, spouse or parents at the time of renewal.
Yes, most insurers allow easy online renewal through their website or mobile app. You can pay using net banking or UPI to renew.
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