Health Insurance Renewal Online

Health insurance renewal ensures continuous coverage, tax benefits, and access to cashless hospitalization. Renew your policy on time to avoid coverage gaps and enjoy uninterrupted medical protection.
Get health coverage up to Rs. 10 Lakh for as low as Rs. 9.3 per day.
3 min
16-September-2025

Renewing your health insurance is crucial to keep your policy active and ensure continuous medical protection. In India, most insurers offer the convenience of online health insurance renewal. This process not only saves time but also gives you the flexibility of multiple digital payment options. Timely renewal guarantees uninterrupted coverage against unexpected healthcare expenses.

What is health insurance renewal?

Health insurance renewal refers to extending the term of your existing health insurance policy to continue enjoying financial protection against medical expenses. Renewing on time helps you avoid any break in coverage, ensuring you remain safeguarded during medical emergencies. It also gives you the chance to reassess your policy, increase the sum insured, add riders, or even switch to a plan that better fits your current health needs.

Benefits of renewing health insurance policy before expiry

Renewing health insurance before its expiry date is beneficial in several ways.

  • Continuous coverage – Timely renewal ensures your policy remains active without any gap in protection. Missing the due date can lead to a policy lapse, leaving your medical expenses uncovered. Renewing before expiry also helps secure coverage into your senior years, when purchasing a new policy may be more challenging.

  • Retain your No Claim Bonus (NCB) – Renewing on time allows you to preserve your accumulated NCB benefits. If your policy lapses due to non-payment of premium, you risk losing this valuable reward.

  • Tax savings – By renewing your health insurance policy, you can continue to claim tax deductions on premiums paid under Section 80D of the Income Tax Act, 1961, helping you reduce your taxable income.

  • Lower premium costs – A policy renewed before expiry saves you from paying higher premiums that may be charged if you have to purchase a new policy after a lapse. Timely renewal helps you maintain affordable coverage.

Why is health insurance renewal important?

Health insurance renewal is vital to ensure continuous financial protection against medical emergencies. A lapse in your policy can leave you uncovered during critical times and may lead to loss of benefits like No Claim Bonus. Timely renewal also helps you avoid higher premiums and ensures uninterrupted access to quality healthcare. By renewing your policy on time, you safeguard your family’s health and maintain long-term financial security.

What documents are needed for health insurance renewal?

To renew health insurance online, you generally need the following documents:

  • Existing health insurance policy number

  • Identity proof (Aadhaar, PAN, or Passport)

  • Date of birth proof (if required)

  • Recent medical reports (for higher coverage or plan upgrade)

  • Debit/credit card or net banking details for premium payment

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Things to remember while renewing health insurance policy

 

How to renew health insurance policy online

The renewal process is easy and uncomplicated, whether it is done online or offline. Health insurance renewal process can be complete by following the steps given below:

  • Visit the insurance provider's website to renew policy: Log in to the insurer's website with your login credentials provided at the time of buying the policy.
  • Enter policy details and personal information: Provide the policy number and other required details, including personal information ensuring that the correct and relevant information is shared with the insurer.
  • Pay the premium using net banking, debit card, or credit card: Make the payment through online payment methods securely.

If your current health insurance policy no longer meets your needs or has expired without a grace period, consider purchasing a new plan that offers enhanced coverage at a competitive premium. Leading insurers provide a wide range of policies tailored to different medical needs and budgets.

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Steps to Renew an Expired Health Insurance Policy Offline

Check the Grace Period

Most insurers offer a grace period—usually around 30 days—after policy expiry, allowing you to renew without losing key benefits such as waiting period credits and the no-claim bonus (NCB).

  • If you are within the grace period, you can renew without undergoing a fresh medical check-up.
  • If the grace period has ended, you may need to purchase a new policy with fresh underwriting.

2. Visit the Insurance Provider’s Branch

To initiate the offline renewal process:

  • Visit the nearest branch of your insurance provider.
  • Carry your policy details, previous premium payment receipts, and identification documents.
  • Request and complete a renewal application form.

3. Undergo a Medical Check-up (If Required)

If your policy has been inactive for an extended period, the insurer may require a medical examination before approving the renewal. Your health assessment results will determine the renewal terms.

4. Pay the Renewal Premium

Once the necessary formalities are completed:

  • Pay the renewal premium at the branch office via cash, cheque, or demand draft.
  • Obtain an acknowledgment receipt confirming the payment and renewal request.

4. Receive the Updated Policy Document

After processing your request, the insurer will issue a new policy document with updated terms and coverage details. Review the document carefully to ensure all information is accurate before finalizing the renewal.

Types of Health Insurance Renewal Options

Types of Medical Insurance Renewals

What Does It Mean?

Who Can Opt For It?

Automatic Health Insurance Renewal

The policy is renewed automatically at the end of its term without manual intervention.

Ideal for individuals with busy schedules who prefer convenience over manual renewal.

Manual Health Insurance Renewal

The policyholder renews the plan manually after reviewing coverage and making necessary adjustments.

Suitable for those who want to regularly reassess their healthcare needs and retain control over policy features.

Health Insurance Migration

Coverage can be shifted from one plan to another during renewal.

Best for individuals looking to upgrade or modify their policy based on changing healthcare requirements.

Health Insurance Portability

The policy, along with accrued benefits, can be transferred to another insurer at renewal.

Suitable for those who wish to change insurers while retaining benefits like waiting period credits and No Claim Bonus.

Things to remember while renewing a health insurance policy

Timely renewal of your health insurance policy is essential to ensure continuous coverage and retain accumulated benefits. Here are some important factors to keep in mind during the renewal process:

Monitor the renewal deadline

Renew your policy before the due date to avoid a lapse in coverage. While most insurers provide a grace period of 15 to 30 days, delaying renewal can result in a loss of benefits.

Evaluate your coverage needs

Your healthcare requirements may evolve over time. Assess whether your current sum insured and benefits are adequate, and consider increasing coverage if necessary.

Review policy terms & conditions

Carefully check for any updates in premium rates, coverage inclusions, exclusions, or waiting periods. Being aware of these changes helps you make informed decisions.

Check your no-claim bonus (NCB) eligibility

If you haven’t filed any claims, you may qualify for an NCB, which can either increase your sum insured or lower your premium. Confirm this benefit with your insurer.

Declare any new medical conditions

Disclose any newly diagnosed health conditions to your insurer to prevent complications or claim denials in the future. Non-disclosure can lead to policy termination.

Compare plans & consider switching

If your existing policy no longer meets your needs, explore other insurers offering better coverage, lower premiums, or additional benefits. Porting to a new insurer is an option.

Enhance your coverage with add-ons

Boost your policy by opting for riders such as critical illness cover, OPD benefits, or maternity benefits for better financial security.

How to calculate your health insurance renewal premium?

Calculating your health insurance renewal premium is an important step to plan your finances and avoid surprises at the time of payment. The renewal premium depends on several factors such as your age, medical history, policy type, sum insured, and add-on covers. To estimate it, you can use an insurer’s online premium calculator, where you simply enter details like policy number, coverage amount, and personal information. This tool instantly displays the premium payable. Reviewing your renewal premium in advance also helps you decide whether to increase coverage, add riders, or adjust features to match your current healthcare needs, ensuring you get the most value from your policy.

What happens if you fail to renew your health insurance policy?

A missed health insurance renewal, timely corrected, can result in a policy getting expired, losing the essential continuity benefit of health insurance coverage and policy protection. If an individual fails to renew the policy before or during its expiry date, it leads to a lapse in the coverage, which means that the policyholder observes a waiting period before coverage is reactivated.

Lapses can result in paying the entire premium again upfront, especially if the coverage has lapsed for a significant period of time. Additionally, claiming of benefits during lapses or delays makes the person ineligible for any claims during the period of lapse.

Grace period benefits of health insurance

Health insurance providers offer a grace period of 30 days for policyholders to renew their policy after its expiry date. During the grace period in health insurance, policyholders can still continue to enjoy coverage under their policy despite the non-renewal state. If during this time a medical emergency arises, the insurance company will provide cover for hospitalisation expenses and emergencies. So, policyholders can still claim medical expenses such as hospitalisation costs, subject to the terms and conditions of the policy. However, policy renewal must still be completed within the 30-day grace period.

Can you change the health insurance policy during renewal?

Yes, you can change your health insurance policy or insurance provider at the time of health insurance renewal. The health insurance premium may change during renewal. You can also check if the new health insurance continues to cover the pre-existing conditions or has waived off the waiting period if you have completed the tenure.

When transitioning to a new health insurance provider, your no claim bonus and waiting periods are carried over from your previous policy. The waiting period from the previous plan is subtracted from the waiting period of the new policy. Consequently, you only need to fulfill the remaining waiting period to make a claim.

Key factors for renewing your health insurance policy

There are several key factors to consider when renewing your health insurance policy:

  • Your health and fitness: Consider whether your health condition has changed. If you have developed any new conditions that should get covered under the new policy. Similarly, if you have consistently remained healthy, you may want to opt for a low-cost policy with fewer features.

  • Adequate coverage: Determine what coverage you require and compare the features of the existing policy with those of the new policy. Ensure that the new policy adequately covers your needs.

  • Waiting periods: When moving from one insurer to another or switching policies, a new waiting period may apply for pre-existing medical conditions. Know the duration and ensure they are reasonable and do not affect your health.

  • Premiums: Consider the premiums of both policies. If the premiums for the new policy are significantly higher than the existing one, check the coverage benefits and costs before making the final call.

  • Renewal process: Make sure you go through the renewal process well in advance to avoid lapses in your insurance coverage. This will also provide adequate time to explore different health insurance options and keep track of the different renewal aspects.

  • Health insurance portability: If you're dissatisfied with your current insurer's services, consider changing your health insurance company.

In conclusion, renewing a health insurance policy before its expiry date is always the advisable path to take. It is important to review coverage before renewing as well as comparing policies and being aware of the pertinent details of your policy. The renewal process is easy and straightforward but missing the renewal deadline could lead to loss of policy coverage and benefits, making grace period benefits important to those who may have either missed the grace period expiration or encounter an unfortunate emergency during that period.

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Frequently asked questions

Can I renew health insurance after the due date?

Yes, you can renew your health insurance policy even after the due date. Insurance companies provide a grace period up to 30 days from the due date, during which you can renew your policy without a penalty.

What happens if health insurance is not renewed?

If you fail to renew your health insurance policy, your insurance coverage will end, and you will not be eligible for any further claims. In case of any medical emergency during this period, you will have to pay for the treatment costs.

Can we renew insurance before expiry?

Yes, it is always recommended to renew your health insurance policy before it expires. This ensures that you do not have to be without coverage for any period. So, you remain financially covered against unexpected medical expenses throughout.

What if I missed the grace period to renew my health insurance policy?

If you miss the grace period, you will lose your coverage and will have to purchase a new policy altogether. Depending on your health condition, age, and other factors, your new policy premiums may be higher than your old policy.

Can I make changes to my policy while renewing it?

Yes, you can typically make changes and customise your policy while renewing it. For instance, you can increase or decrease your policy coverage, add, or remove dependents, or opt for additional coverage features.

What is the advantage of renewing my health insurance plan online?

Renewing your health insurance plan online can offer several advantages, including convenience, speed, and cost savings. Online renewal eliminates the need for paper forms or visiting an office, saving time and effort. Renewal can be done from the comfort of your home or office, and online plans often offer cost savings or additional incentives.

What will happen if I miss the renewal premium due date?

If you miss the renewal premium due date, your health insurance policy may lapse, and you may lose access to the benefits that come with it. You may also have to go through the process of reapplying for a new policy, which can be time-consuming and expensive.

What are the benefits of renewing your health insurance policy?

Renewing your health insurance policy ensures that you continue to have access to quality healthcare services without having to worry about financial burdens. It also ensures peace of mind as you are covered in case of emergencies or unexpected medical bills.

Is renewal of health insurance mandatory?

Renewal of health insurance is not mandatory, but it is highly recommended. Continuous coverage ensures ongoing protection against unforeseen medical expenses and ensures continuity of benefits such as no claim bonus and coverage for pre-existing conditions.

How do I renew my expired health insurance?

To renew expired health insurance, contact your provider promptly, submit renewal documents, undergo any required medical assessments, pay the premium, agree to updated terms, and await confirmation of renewed coverage to ensure continuous protection.

Can I switch to another insurer while renewing my health insurance?

Yes, you can switch to another insurer during the renewal period. This process is called "portability."  

Confused about which health insurance plan to choose? Compare health insurance plans from leading insurers and get instant quotes in minutes!

Will my waiting period reset if I renew my health insurance?

It depends. If you switch insurers (portability), some or all of the waiting period you've already served may be credited by the new insurer, according to IRDAI regulations. However, if you simply renew with the same insurer, your waiting period generally continues without resetting.

Can I increase my sum insured while renewing my policy?

Yes, you can usually increase your sum insured during renewal, though it may result in a higher premium.

Will my no-claim bonus (NCB) be carried forward during renewal?

Yes, your NCB will typically be carried forward during renewal with the same insurer. If you switch insurers, the new insurer may credit a portion of your accrued NCB, as per portability rules.

How long does the renewal process take?

The health insurance renewal process usually takes only a few minutes when done online. Offline renewals may take a little longer, depending on the insurer’s branch processing time.

What documents do I need to renew online/offline?

For online renewals, you generally need your policy number, basic personal details, and payment information. Offline renewals may also require identity proof, address proof, and recent medical reports if you’re upgrading coverage.

What is the role of the grace period exactly?

The grace period is the additional time (usually 15–30 days) given after your policy expiry to pay the premium. During this period, you can renew without losing continuity benefits like waiting period credits and No Claim Bonus.

How can I check my policy renewal status online?

You can check the renewal status by logging into your insurer’s official website or mobile app using your policy number or registered details. Many insurers also send renewal status updates via SMS or email.

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Disclaimer

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