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As the year turns another page, so does the validity of numerous health insurance policies. For many people in India, recharging health insurance coverage carries a blend of vulnerabilities. While exploring the renewal process may be monotonous, understanding the vital steps and considerations can make your decisions more impactful. In this blog, we explain the steps you should take to make sure your health insurance keeps protecting you and your family.

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  1. Understanding Renewal Periods and Deadlines

Missing your strategy restoration cutoff time can have unanticipated outcomes, leaving you weak even with startling health-related crises. It is essential to be aware of your policy’s renewal period, which is typically communicated via renewal notices or the website or mobile app of your insurer. To avoid policy lapses and potential waiting periods for pre-existing conditions, you must promptly renew your health insurance within the allotted time frame.

  1. Evaluating Your Needs

Life is constantly evolving, as are your healthcare necessities. Take a moment to evaluate your current circumstances before renewing. Has your family’s situation changed? Have you fostered any new well-being concerns? Does your ongoing arrangement address your developing necessities? Being aware of your needs permits you to renew health coverage with a plan that aligns with your present and expected future prerequisites.

  1. Exploring Your Options

Loyalty is commendable, but so is exploration! While renewing with your existing provider is convenient, don’t shy away from comparing alternative options. Research plans offered by other insurers, focusing on coverage scope, sum assured, network hospitals, claim settlement ratios, and premium costs. Remember, the ideal plan isn’t a one-size-fits-all solution – tailor it to your unique needs and budget.

  1. Decoding Terms and Conditions

Renewing isn’t just about clicking a button. It’s about understanding the updated terms and conditions of your renewed policy. Carefully review changes in coverage inclusions and exclusions, premium adjustments, network hospital modifications, and claim settlement procedures. Feel free to clarify any doubts with your insurer or an independent insurance advisor to renew your health insurance with complete transparency.

  1. Check Your Claims History

Your claim history holds valuable insights. If you haven’t recorded any claims during the past policy year, you may be qualified for a No Claim Bonus (NCB), prompting decreased premiums upon renewal. This reward for responsible health management incentivises preventive care and can significantly ease your financial burden. Conversely, a high claim history may lead to premium hikes or stricter policy terms. Utilise this information to adapt your healthcare approach and renew health insurance with informed decisions.

  1. Increase Assured Sum Under Policy

As healthcare costs consistently increase and inflation decreases the purchasing power, looking into your health insurance policy is crucial. Try not to just renew- now is the right time to proactively upgrade protection. Make sure your coverage keeps up with your changing needs and is sufficient to cover your anticipated expenses. Keep in mind that sufficient health care coverage is an interest in your prosperity, offering peace and financial security while confronting unexpected medical circumstances.

  1. Consider Getting A Top Up Plan

Proactive planning is key when renewing your health insurance. Take into consideration the anticipated requirements you will have for healthcare in the upcoming years. Are intending to begin a family? A top-up rider with maternity benefits can cover everything you need for this exciting but expensive time. Does your family history suggest a predisposition to certain critical illnesses? Adding critical illness cover offers true serenity and monetary security in testing times. If you’re hoping to extend protection to your whole family, consider a family floater plan, which streamlines coverage for the entire family under one umbrella, possibly offering cost savings when compared to individual plans.


Renewing health insurance is a proactive step towards protecting your prosperity. By understanding the process of renewal, taking into account your increasing necessities, exploring choices, interpreting policy updates, and recognising your claim history, you can explore this vital stage with certainty. Keep in mind that a health insurance policy renewal implies renewed protection, giving you the power to confront the future with peace, knowing that your health is prioritised and safeguarded.

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*Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/24-25/03

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IRDAI Registration No.: 217
Valid from : 13/10/2021 to 12/10/2024
Category : Composite Broker
Principal Officer Name: Mr. S. V. Thakkar
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