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How to Renew Your Individual Health Insurance Policy Easily Online

Roocha KanadeDec 19, 2025

Renewing your individual health insurance simply means extending your current plan for another year so your coverage continues without interruption. When you renew on time, you keep all your existing benefits, including any No Claim Bonus you’ve earned. You also avoid the stress of a policy lapse or the need to restart waiting periods.

Online renewal has made the whole process quick and fuss-free. You can log in, confirm your details, pay securely, and get your updated policy in minutes. Here’s everything you need to know about renewing your individual health insurance policy online, from steps to benefits and a few common mistakes you should watch out for.

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Contents

Why Renewal of Individual Health Insurance Is Important
Step-by-Step Process to Renew Your Individual Health Insurance Policy Online
Benefits of Timely Health Insurance Renewal
Grace Period and Late Renewal Rules
Common Mistakes to Avoid During Individual Health Plan Renewal
How to Check Renewal Status of Your Health Insurance
Conclusion
Frequently asked questions

Why Renewal of Individual Health Insurance Is Important

Renewing the policy on time might feel like a task, especially with regular reminders. But if you miss the expiry date, you might end up paying the hospital bill all by yourself without the financial support from your insurance company. Also, you might lose benefits like No Claim Bonus, or renewal discounts if you delay the renewal.

Remember that your health plan could lapse completely if you miss the grace period too. This can lead to a reset of the waiting period, as now you will have to buy a fresh policy. By renewing the plan in time, you also continue to get insurance coverage for pre-existing diseases and paying medical bills will become easier with the financial support.

When you renew the policy and pay premiums, you also get a tax benefit under section 80D of The Income Tax Act. Thus, along with continuous coverage you get benefits.

Explore more about individual health insurance tax benefits

Also read: individual health insurance eligibility

Step-by-Step Process to Renew Your Individual Health Insurance Policy Online

Renewing your policy online saves time and gives you complete control over your choices. Here’s how the process usually works.

Log In to the Insurer’s Website or App

Log in to your account with the help of a One-Time Password (OTP). If you don't have a separate account, you can login as a guest if the insurer allows. This way you can directly add the policy number and get started with the renewal process.

Enter Policy Details

Next, enter the policy details like policy number, your name, mobile number, etc. This will help in fetching your previous policy instantly.

Review Policy Details and Sum Insured

Take a moment to check your existing coverage. If your health needs have changed or medical costs have increased, this is a good time to increase your sum insured.

Choose Add-ons or Riders

Add-ons offer extra protection for specific scenarios. Some popular ones include critical illness cover, personal accident cover, or maternity benefits. Pick only what adds real value to your life and budget.

Make Online Payment

Online payments are more secure than paying cash to an insurance agent. You will get the payment receipt instantly, and you have the transaction ID in case you need to raise any queries related to the payment you made for renewing your health plan.

Get Renewal Confirmation and e-Policy

Once the payment goes through, you’ll receive a confirmation and an updated e-policy on email or WhatsApp. Save a copy in a safe folder so you can access it quickly during emergencies.

Also read: How to Enrol in Individual Health Insurance?

Benefits of Timely Health Insurance Renewal

A yearly renewal comes with a lot of advantages. Here are the most important ones.

No Claim Bonus continues: You may get an increased sum insured or a lower premium, depending on your plan.
Coverage remains uninterrupted: You don’t have to serve waiting periods again for health conditions already covered.
Smooth claim experience: An active plan reduces the chances of claim delays or re-verification hassles.

Explore more about Benefits of Individual Health Insurance

Grace Period and Late Renewal Rules

Insurers usually offer a grace period of around 15 to 30 days after your policy expires. This is extra time for you to complete the renewal. However, it’s important to know that claims made during this grace window are not payable.If you still don’t renew within this period, the policy lapses completely. You may need medical tests or fresh underwriting to get insured again.

A simple way to understand it: If your plan expires on 31 March and you renew on 10 April, the policy will be renewed, but any hospitalisation between these dates will not be covered.

Common Mistakes to Avoid During Individual Health Plan Renewal

There are a few mistakes that people commonly make during Individual Health Plan Renewal. It's easy to avoid these mistakes. Here are a few for your reference.

Not renewing the policy by the expiry date.
Not updating personal information like contact details or nominee-related details.
Not reviewing the policy and missing on new coverages or features that the insurance company has introduced.
Not aligning the sum insured or add-ons to their life situations. For example, not increasing the sum insured with increasing age or not adding relevant add-ons.
Take a minute to check your details and ensure you are paying only through the insurer’s official channels.

Also read: Top Reasons Why Individual Health Insurance Applications Get Rejected

How to Check Renewal Status of Your Health Insurance

Here are a few ways in which you can verify the renewal status of your individual health insurance plan.

Check the status on the insurance company's website or their app by logging into your account.
Check your email inbox or SMS for confirmation.
Get in touch with the insurance company via phone call, or email.
Thus, you can easily check the status of renewal. Download the document and save it once you get the soft copy of the policy.

Conclusion

Renewing an individual health insurance plan online allows you to continue your coverage quickly. You can retain benefits such as No Claim Bonus and discounts when renewing the plan. Renewing online helps avoid the hassle of contacting an agent and dealing with physical paperwork. You can even renew your health plan before the expiry date. This way, you can avoid any last-minute hassles, and you can get continued coverage. The new plan will most likely start after the previous one expires.

Frequently asked questions

Here are common questions on How to Renew Your Individual Health Insurance Policy Easily Online

Is medical check-up necessary while renewing health insurance?

No, usually the insurance company would not ask for a health check-up while renewing the plan. However, if there is a gap in insurance renewal and the policy is expired then a medical check-up would be requested.

How can I renew my individual health insurance policy online?

To renew your individual health insurance policy online you can go to the insurance company's website or download their app. Login to your account and review the plan before making the payment and see if you want to make any changes to the coverage. Then you can proceed to make payment. When you get the new policy, you can download it for record.

What happens if I miss my renewal date?

If you miss the renewal date then you will not have an active health insurance policy. This can lead to financial losses if you need medical treatment. The insurance company may provide a grace period so that you can renew the plan without losing any benefits.

Can I increase my coverage at renewal time?

Yes, you can increase the coverage at the time of renewal. You can increase the sum insured or buy more add-ons to increase your coverage.

Does renewal premium qualify for a tax deduction?

Yes, renewal premiums do qualify for tax deductions under Section 80D of the Income Tax Act, if you have opted for the old tax regime.

Can the insurance company reject the renewal request?

It is rare for an insurance company to reject the renewal request. But they may reject it if there is proof of fraud or misrepresentation of information during the renewal process.