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Health insurance is an essential aspect of financial planning, providing coverage during medical emergencies. Once you have a health insurance policy, it is essential to keep it active by renewing it on time. In this blog, we will explore the benefits of renewing your health insurance policy before it expires, and also guide you through the renewal process, both online and offline. Additionally, we will also discuss the grace period, factors to consider, and important things to remember while renewing your health insurance plan.

Also read: Group Health Insurance Policy for Employees in India

Benefits of Health Insurance Renewal Before Expiry

Continuous Coverage: Health Insurance Renewal before expiry ensures that you have continuous coverage without any interruptions. It protects you from unexpected medical expenses that may arise during the gap between the expiry and renewal.

No Waiting Period: Some health insurance plans come with waiting periods for certain medical conditions. By Health insurance renewal  before expiry, you could avoid starting a new policy with a fresh waiting period.

No Medical Checkup: In most cases, health insurance renewal before the due date exempts you from undergoing a medical checkup, provided you have not made any claims during the policy term.

Accumulation of Benefits: Health insurance policies often come with features like a no-claim bonus and cumulative bonus. Health insurance renewal on time ensures that you continue to accumulate these benefits, leading to increased coverage or reduced premiums over time.

Health Insurance Renewal Online and offline

Mentioned below are the steps for health insurance renewal online.

Visit the Insurer's Website: Start by accessing the official website of your health insurance provider. You can use a computer, tablet, or smartphone with an internet connection.

Log in to Your Account: If you already have an account with the insurer, log in using your credentials. If you don't have an account, you may need to create one by providing your policy details and personal information.

Navigate to the Renewal Section: Once you are logged in, navigate to the renewal section. Look for options like "Renew Policy," "Policy Renewal," or similar on the website's homepage.

Provide Policy Details: In this step, while doing health insurance renewal, you will be asked to enter your existing policy details, such as the policy number, date of birth, and any other information required for verification.

Review Policy Information: After entering the necessary details, your existing policy information will be displayed on the screen. Take the time to review the coverage details, policy features, and any add-ons or riders associated with your current policy before renewing your health insurance.

Make Necessary Changes: If you want to make any changes to your coverage, such as increasing the sum insured or adding riders, you can do so at this stage.

Select the health insurance Renewal Period: Choose the desired Health insurance renewal period, usually one year or two years, and proceed to the payment gateway.

Pay Premium: Pay the renewal premium using a secure online payment method. Options may include credit/debit cards, net banking, or digital wallets.

Receive Policy Documents: Once the payment is successful, your renewed policy documents will be generated, and the insurer will send them to your registered email address. 

Also Read: Group Term Life Insurance Policy for Employees in India, Buy Online  

Health Insurance Renewal offline

Mentioned below are the steps for health insurance renewal offline.

Visit the Branch Office: Locate the nearest branch office of your health insurance provider and visit the office in person.

Meet the Customer Service Representative: At the branch office, approach the customer service representative or the concerned personnel designated for policy renewal.

Provide Policy Details: Provide the representative with your existing policy number and other relevant information for verification.

Review Policy Information: The representative will present your current policy details for review. Take your time to ensure all the coverage features are accurate and as per your needs.

Make Necessary Changes: If you wish to make any changes to your policy coverage or add-ons, communicate your requirements to the representative.

Pay Renewal Premium: Pay the renewal premium at the branch office using cash, cheque, or any other accepted mode of payment.

Obtain Renewed Policy Documents: After successful payment, the customer service representative will process your renewal and issue the renewed policy document immediately. 

Grace Period for Health Insurance Renewal

The grace period is a specified duration offered by insurance companies to renew your health insurance policy even after its expiry date. This period is usually 15 to 30 days, but it varies depending on the insurer and policy type. During the grace period, you can renew the policy without losing any continuity benefits or coverage. However, any claims made during this period may not be accepted.

Factors to Consider While Renewing a Health Insurance Policy

Coverage Needs: Assess your current healthcare needs and consider changes required in your policy coverage. Ensure the policy adequately covers potential medical expenses.

Premium Costs: Compare premium costs from different insurance providers. Choose a plan that fits your budget without compromising on essential coverage.

Network Hospitals: Check the list of network hospitals associated with the insurer to ensure there are sufficient options for cashless treatments in your area.

Waiting Periods: Verify if there are any waiting periods associated with specific treatments or pre-existing conditions, especially if you are switching to a new policy.

No-Claim Bonus: If you have accumulated a no-claim bonus, understand how it affects your renewal premium or increases your coverage.

Exclusions: Carefully read through the policy's exclusions to be aware of conditions not covered by the policy.

Things to Remember while Renewing your Health Insurance Plan

Timely Renewal: Renew your health insurance policy before the due date or during the grace period to avoid policy lapses.

Updated Information: Provide accurate and up-to-date information while renewing the policy to ensure hassle-free claim processing in the future.

Read the Policy Documents: Thoroughly read and understand the renewed policy documents to be aware of all terms, conditions, and coverage details.

Add-Ons and Riders: Consider adding appropriate riders or add-ons to enhance your coverage based on your specific needs.


Health insurance renewal is an important process that ensures uninterrupted coverage and continued benefits. Renewing the policy before the expiry date has numerous advantages, including continuous coverage, no waiting periods, and no medical checkups. Whether you choose to renew online or offline, it is essential to keep your policy up-to-date by considering factors like coverage needs, premium costs, network hospitals, waiting periods, and exclusions. 

Frequently Asked Questions

1. Can I renew my health insurance policy after it has expired?

Yes, you can absolutely renew your health insurance after it expires.Many health insurance providers offer a grace period, allowing you to renew your policy even after it has expired. 

2. Do I need to undergo a medical checkup during health insurance renewal?

No, you do not need to undergo a medical checkup during health insurance renewal if you renew it before its expiry and have not made any claims during the policy term.

3. Is it possible to switch to a different health insurance plan during renewal?

Yes, it is possible to switch to a different health insurance plan during renewal. You’ll also have the flexibility to review your existing coverage and make changes during the renewal process.