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Health Insurance Renewal

health insurance renewal

Health insurance renewals make sure you continue to have insurance coverage for medical costs. It is the act of paying for your health insurance plan on or before its expiry date. Insurance companies also offer a grace period of an extra 30 days after the due date to make sure you can renew your plan on time. 

By performing your medical insurance renewal on time, you prevent your plan from expiring and losing medical coverage. This can result in having to pay all your hospital bills yourself, which can be expensive, as healthcare costs in India have been increasing by 14% annually, nearly double the regular inflation rate.

To streamline the renewal process, IndusInd General Insurance (formerly known as Reliance General Insurance) allows you to renew your health plan online in a few simple steps. We offer flexible payment options and lifelong renewals under our health insurance plans.

Why US

Why 8 Crore+ Policyholders Trust Us?

A health insurance plan covers for these unexpected medical expenses, ensuring you don't have to bear the financial burden. You can focus on getting the medical care you need without worrying about the cost. In simple terms, health insurance helps you to reduce or avoid a larger financial stress by paying a comparatively smaller premium.

Location - Health Insurance

Up to 40% Discount

Up to 40% Discount

Get up to 40% discounts on your premium

20+ Add-On Covers

20+ Add-On Covers

Enhance coverage with add-ons for your policy

AYUSH+Modern Treatments

AYUSH+Modern Treatments

Includes modern and AYUSH treatments

24/7 Customer Support

24/7 Customer Support

Quick claims and queries support

What Is Health Insurance Renewal?

health insurance renewal online

Health insurance renewal means paying your premium to continue your health plan. Your policy has a start date and an end date listed on your documents. When your policy comes to the end date, it expires, and your coverage stops completely. To keep your coverage active, you must renew before the expiry date arrives. Renewal keeps your health protection going without any break in between your coverage periods.

Why is it important to renew your health coverage on time?

Uninterrupted Coverage

Renewing on time means you always have protection for your medical bills. Your family stays covered without any gaps in their health insurance at all.

Avoid Policy Lapse

If you miss the renewal date, your policy can lapse and get cancelled. You lose all protection and must buy a brand new policy again.

No Medical Tests Again

When you renew on time, you don't need medical tests or checkups. A new policy may require you to undergo full medical underwriting again.

Keep Your No Claim Bonus

Timely renewal helps you retain the bonus you earned for claim-free years. Letting your policy lapse means you lose all these accumulated bonus benefits.

Retain Waiting Periods

You keep the waiting period credits you've already completed under your plan. Missing a renewal means you start waiting periods all over again from the beginning.

When to Renew Health Insurance?

A health insurance policy must be renewed on or before its expiry date. This ensures uninterrupted financial coverage for your medical expenses. However, if you miss your renewal dates, we offer a grace period and other options for a quick renewal:

renewal date

What If I Miss the Renewal Date?

If you have missed your policy expiry date, you can still renew your insurance within the grace period to prevent your policy from being cancelled.

grace period

How Long is the Grace Period?

Get a grace period of 15 days if you’ve opted for a monthly payment cycle. For quarterly, half-yearly and yearly payments, get a 30-day grace period.

grace period clause

Grace Period Clause

The recent IRDAI mandate allows you to file a claim and cover your medical costs during the grace period if you are paying installment-based premiums (monthly, quarterly, or yearly). 

Health Insurance Renewal Benefits

protect savings
Protects Your Savings

Medical insurance renewal helps protect your savings by ensuring sustained coverage so you don’t have to pay for your healthcare costs out of pocket. More importantly, if you let your policy lapse, you’ll have to pay higher premiums when you buy a new health insurance policy.

health coverage
Ensures Uninterrupted Coverage

Renewing health insurance on time helps you avoid a break in your policy and builds trust. This can help you claim additional benefits in the future and ensure you maintain coverage for hospitalisation, pre- and post-hospitalisation, daycare treatments, critical illnesses, etc.

offers and discounts
Offers, Discounts & Bonuses

Timely renewals mean you get to accumulate premium discounts and bonuses, especially for long-term plans. For example, you automatically get a 10% discount when you share your annual health check-up results with us and a 2.5% discount for timely renewals.

instant renewals
Instant Renewals Online

We offer instant and paperless health insurance renewals online through our website and the IndusInd insurance app. And to ensure you don’t forget, you can also set important reminders on our app so you never miss a renewal date. This way, you ensure continuous coverage.

tax benefits
Tax Benefits

All health insurance policyholders are eligible for tax benefits under Section 80D of the Income Tax Act (old regime) up to ₹1 lakh* for the premium paid for their and their senior citizen parents' health insurance. By renewing on time, you can continue to benefit from these deductions.

retain waiting period
Retain Your Waiting Periods

Timely health insurance renewals also mean you get to retain the waiting periods that you've served under your policy. Since these can take years to complete, it’s best not to let your policy lapse, unless you want to start over under a new health plan.

IndusInd Health Insurance Renewal Online

1
Scroll Up
scroll up

You can scroll up, input your policy details and click “Go”.

2
Review Policy
review policy

Review your existing policy and modify it as per your requirements.

3
Pay the premium
pay premium

Pay the premium amount to complete your health policy renewal online.

 

4
Renew via app
renew via app

You can also use the IndusInd Insurance app. Tap on “Insta Renewal”.

Health cover expiring soon? Let’s fix that

Call us to renew and lock in your loyalty discounts!

Types of Health Insurance Renewal Options

You can renew your Health Insurance in any way you prefer. You can either opt for automatic renewal or renew manually to customise your coverage each year. 

 

Types of Renewal Options

What is the Process?

Who Can Opt For It?


Automatic Health Insurance Renewal

Health Insurance policy auto-renews at term end.

Ideal for those seeking convenience.


Manual Health Insurance Renewal

Policyholder reviews and renews coverage.

For those who prefer control and regular review.


Health Insurance Migration

Switch to a different plan with same insurer at renewal.

For those needing a plan upgrade or change.


Health Insurance Portability

Shift policy to a new insurer with benefits retained.

For those changing insurers but keeping accrued benefits.

Disclaimer: The above renewal options are subject to policy terms and conditions. Please refer to the policy wording for detailed information.

Factors to Consider Before Health Insurance Renewal

future health needs
Current & Future Health Needs

Review your current health condition and future risks to adjust your health insurance coverage. You must also disclose any new illnesses from the previous policy period to ensure continued coverage after renewal.

notifications
Look out for Notifications

If there is a change in the policy terms, it will be notified to you over a call or by email. Review updates, check how they affect your requirements and make the necessary changes while renewing medical insurance online.

understand renewal
Understand Renewal Terms and Conditions

Review your mediclaim renewal terms and conditions to avoid discrepancies or issues during future claims. Also, inform family members like your spouse or legal heir so they can help during an emergency.

seek customer support
Seek Customer Support

If you want to get detailed information on the change in policy coverage or new policies introduced, you can connect with the customer support team. They can address your concerns and help renew your health coverage.

policy upgrades
Policy Upgrades & Sum Insured

Modify your existing health insurance policy by enhancing the SI and opting for add-ons, if you need them. Alternatively, you can also upgrade to a new policy to benefit from enhanced coverage and a discount on health insurance renewal.

health insurance portability
Health Insurance Portability

If you are not satisfied with your current insurer’s coverage benefits or services, you can switch your policy to a different insurer like IndusInd General Insurance (formerly known as Reliance General Insurance) before the renewal date.

Health insurance starting at just ₹382 per month*!

One Click to Renew Years of Health Coverage!

At IndusInd General Insurance, we offer an instant, paperless renewal process that can be completed from your phone. Renew your IndusInd Health insurance policy today!
renew years of health coverage

Documents Needed for IndusInd Health Insurance Renewal 

1

Proof of Identity - Aadhaar Card, Passport, Driving Licence, etc.

2

Proof of Address - Aadhaar Card, Ration Card, Passport, etc.

3

Health Insurance Policy certificate

4

Medical Records, Diagnostic Test Reports, etc.

Disclaimer: Please refer to the policy details for an exhaustive list of documents.

Can You Transfer a Health Insurance Policy During Renewal?

Yes, you can transfer your health insurance policy to a different insurance provider at the time of renewal. It is referred to as health insurance portability. Here's everything you need to know about this process:

At the time of medical insurance renewal by informing both your previous and current insurer at least 45 days before the renewal date.
Proof of Identity and Address, IRDAI Portability Form, Portability Proposal Form, Health Insurance Policy, Medical Records and Claims History, if applicable.
If you are not satisfied with your current insurer’s services, you can transfer your health plan along with any accumulated benefits to a new provider of your choice during renewals.
You can keep accumulated benefits, such as your cumulative bonus and completed waiting periods, along with other discounts, benefits and bonuses under your health insurance plan.

What Happens When You Don’t Renew Health Insurance On Time?

reasons to renew on time

Reasons to Renew Your Policy On Time:

policy

Your Policy Will Get Cancelled

If you fail to renew your health plan before its expiry date or during the grace period, it will get cancelled.
raise a claim

You Cannot Raise a Claim

If you miss the last day to renew your health insurance policy, you will not be able to file claims or access policy benefits.
benefits earned

You Will Lose the Benefits Earned

If you have accumulated benefits such as a cumulative bonus or completed part of your waiting period, failing to renew on time will result in the loss of all these advantages.

Pay a Higher Premium

If you miss your health insurance renewal date and if the policy expires, you need to get a new policy, which can be more expensive.
undergo medical examination

Undergo Medical Examination

If you fail to renew health coverage, you may have to undergo a medical examination to purchase a new policy.

Tips for a Smooth Renewal Process

Set Reminders

You can do this on your mobile phone’s calendar app or the IndusInd Insurance app (formerly known as IndusInd Insurance app).

Assess Your Needs

Review your health insurance requirements and choose suitable coverage before the renewal date to avoid last-minute hassles.

Don’t Ignore Reminder Calls

Don’t miss our renewal calls thinking it is spam. Install caller ID apps that help identify genuine callers.

Check Your Email

Review your email regularly to stay updated on policy changes, renewal notifications and discounts on health insurance renewal.

Contact Us for Queries

Please contact customer care to understand any policy changes since your last renewal and make informed decisions.

Go for Online Renewals

Go for online mediclaim policy renewals as they are simple and quick. In fact, we offer instant and paperless renewals online.

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4.8 (508)
Ritik

Ritik

Noida

star

5

Value for money

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick.
Srivathsav  Parthasarathi

Srivathsav Parthasarathi

West Midnapore

star

4.5

Seamless digital experience

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.
Sateesh Kumarkuchipudi

Sateesh Kumarkuchipudi

West Godavari

star

5

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.
Vanga  Naveen

Vanga Naveen

West Godavari

star

5

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.
Sirraatchuta Ram Babua

Sirraatchuta Ram Babua

West Godavari

star

5

Quick policy issuance

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.
Manoj Kumarmogha

Manoj Kumarmogha

New Delhi

star

5

Quick policy issuance

Buying a health policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.
Vasantha

Vasantha

Wayanad

star

4

Value for money

I recently purchased my health insurance and found the experience to be smooth. I will provide dertailed feedback post my claim settlement process has been completed.
Jasmin  K

Jasmin K

Wayanad

star

4

Seamless digital experience

From start to finish, the process of getting my health insurance was convenient. The plan offered exactly the type of coverage I was expecting.
Nazeer Salma Abdulla

Nazeer Salma Abdulla

Wayanad

star

5

Quick policy issuance

I had a positive overall experience while applying for Health insurance. The coverage provided matches my expectations and feels comprehensive.
Sripal Reddymadhi Reddy

Sripal Reddymadhi Reddy

Warangal

star

5

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance Insurance Company (now IndusInd Insurance Company) . The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.
Veeraiah Kamatam

Veeraiah Kamatam

Wanaparthy

star

5

Quick policy issuance

Buying a Health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.
Sivaganesh  Madamsetti

Sivaganesh Madamsetti

Visakhapatnam

star

5

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.
Sudha Ranimadabattula

Sudha Ranimadabattula

Visakhapatnam

star

5

Quick policy issuance

I recently purchased my health insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.
Yerususatya Prasad

Yerususatya Prasad

Visakhapatnam

star

5

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. The process felt reliable and I would recommend it to others.
Karu Rama Rao

Karu Rama Rao

Visakhapatnam

star

5

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.
Ravi Teja Anem

Ravi Teja Anem

Visakhapatnam

star

5

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance (now IndusInd) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.
Bhimabattula Aruna Devi

Bhimabattula Aruna Devi

Visakhapatnam

star

5

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.
Kantimahanti Balakrishna

Kantimahanti Balakrishna

Visakhapatnam

star

5

Quick policy issuance

I recently purchased my Health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.
Prasad Rao Rayavarapu

Prasad Rao Rayavarapu

Visakhapatnam

star

5

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.
Ramachandran

Ramachandran

Villupuram

star

5

Quick policy issuance

The journey of purchasing Health insurance from Reliance (now IndusInd) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.
Sanjit Kumar Tiwari

Sanjit Kumar Tiwari

Vaishali

star

4

Seamless digital experience

The journey of purchasing health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive.
Vishanth  K

Vishanth K

Uttara Kannada

star

5

Quick policy issuance

From the start to the conclusion, the Reliance (now IndusInd) experience of acquiring my health insurance was straightforward. It aligned well with my requirements and felt personalized to my situation.
Akk Amma Anand Kumarsiddanavar

Akk Amma Anand Kumarsiddanavar

Uttara Kannada

star

5

Quick policy issuance

I recently purchased my health insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.
N Amitha Ramesh

N Amitha Ramesh

Tumakuru

star

5

Quick policy issuance

From start to finish, the process of getting my Health insurance was convenient. The plan offered exactly the type of coverage I was expecting. A printed copy of the policy papers would make the Reliance Insurance Company (now IndusInd Insurance Company) experience even better. I found the entire process trustworthy and efficient.
Ramakrishna Prasadvadala Setty

Ramakrishna Prasadvadala Setty

Trimulgherry

star

5

Quick policy issuance

From start to finish, the process of getting my health insurance was convenient. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good Reliance Insurance (now IndusInd Insurance) experience.
Prasanna Lakshmi Kuruganti

Prasanna Lakshmi Kuruganti

Trimulgherry

star

5

Quick policy issuance

Buying a health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage.
Indumathi  Indumathi

Indumathi Indumathi

Tiruvannamalai

star

5

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.
Pandurangdah  M

Pandurangdah M

Tiruvallur

star

5

Quick policy issuance

From the very start to the finish, the procedure of getting my health insurance from Reliance General Insurance (now IndusInd General Insurance) was seamless. It addressed my requirements adequately and seemed tailored to fit my needs
C Jaikanth

C Jaikanth

Tiruvallur

star

5

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. It would be helpful if a physical copy of the policy could also be provided. I'm happy with how everything went and feel secure with my policy.
Ramesh L

Ramesh L

Tiruvallur

star

5

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.
Nirmala Chell Appa

Nirmala Chell Appa

Tirunelveli

star

5

Quick policy issuance

The journey of purchasing Health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance Company (now IndusInd Insurance Company) experience and I am satisfied.
Ganesan  Aarathi

Ganesan Aarathi

Tiruchirappalli

star

5

Quick policy issuance

From start to finish, the process of getting my health insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy.
Saji  Chandran

Saji Chandran

Thrissur

star

5

Quick policy issuance

Buying a Health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.
Grace Mathew

Grace Mathew

Thrissur

star

4.5

Seamless digital experience

I had a positive overall experience while applying for Health insurance. It aligns well with what I needed from an insurance policy.
Anoop T M

Anoop T M

Thrissur

star

5

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance General Insurance (now IndusInd General Insurance). The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.
Kencysam Sr Kency Samsr

Kencysam Sr Kency Samsr

Thiruvananthapuram

star

5

Quick policy issuance

From beginning to end, obtaining my health insurance was a smooth Reliance (now IndusInd) experience. It aligned perfectly with my needs and seemed customized just for me.I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.
Wafa Mol R N

Wafa Mol R N

Thiruvananthapuram

star

5

Quick policy issuance

I liked how the platform offered clear comparisons. It helped me understand the differences and choose confidently.
Vinoth  R

Vinoth R

Thanjavur

star

5

Quick policy issuance

From the very beginning to the very end, the process of obtaining my health insurance from Reliance General Insurance (now IndusInd General Insurance) was easy and efficient. It met my needs thoroughly and felt specifically designed for me.
Sampada Vijay Jagdale

Sampada Vijay Jagdale

Thane

star

5

Quick policy issuance

From start to finish, the process of getting my Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.
Geetanjali Ganpat Namaye

Geetanjali Ganpat Namaye

Thane

star

5

Quick policy issuance

The health insurance experience was smooth and reassuring. I felt like I was making an informed choice without pressure.
Bibinagar Sureshchary

Bibinagar Sureshchary

Telangana

star

5

Quick policy issuance

From the initial stage to the final step, the procedure of securing my health insurance from Reliance Insurance (now IndusInd Insurance) was straightforward. It fulfilled my expectations admirably and felt personalized to suit my needs.
Pawan Kumar

Pawan Kumar

Tarn Taran

star

5

Quick policy issuance

Buying health insurance was a pleasant surprise. The platform was easy to use, and the policy I selected felt well-suited to my needs.
Modugusatish Reddy

Modugusatish Reddy

Suryapet

star

5

Quick policy issuance

I have just secured my health insurance and realized that the entire Reliance Insurance Company (now IndusInd Insurance Company) experience was extremely efficient. It fits my insurance policy needs perfectly.
Kanakai Ahgudipati

Kanakai Ahgudipati

Suryapet

star

5

Quick policy issuance

I had a smooth experience buying health insurance. The platform guided me through each step, and the coverage felt comprehensive.
Hiralsagar Bhaisardhara

Hiralsagar Bhaisardhara

Surat

star

5

Quick policy issuance

The journey of purchasing health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.
Amit Bhaidurlabh Bhai Rajpara

Amit Bhaidurlabh Bhai Rajpara

Surat

star

5

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.
Ankur Kotnala

Ankur Kotnala

Surat

star

5

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance (now IndusInd) . It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.
Anil Kumar Ram Sringarsaroj

Anil Kumar Ram Sringarsaroj

Sultanpur

star

5

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. It met my requirements well and felt tailored to my needs.
Marxia Tamil Selvan

Marxia Tamil Selvan

Sivaganga

star

5

Quick policy issuance

The health insurance process was straightforward and reliable. I felt confident in the coverage and appreciated the overall flow.
Prasad  Nangunoori

Prasad Nangunoori

Siddipet

star

5

Quick policy issuance

Buying a health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. I felt that my protection needs were well addressed with this policy. I found the entire process trustworthy and efficient.

Author - Amount Health Insurance

IndusInd General Insurance

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Health Insurance - Disclaimer

Disclaimer: Health insurance coverage is subject to policy terms, conditions, exclusions, waiting periods, sub-limits, co-payments, deductibles and underwriting guidelines. Benefits, add-ons, discounts and eligibility criteria vary by product, plan, sum insured, age and family composition. Certain products provide fixed benefit payouts and are not indemnity-based reimbursement policies.

Applicable UINs:
Health Infinity – RELHLIP23120V042223 | Health Gain UIN: INIHLIP26040V042526 | Health Super Top-Up – RELHLIP21617V012021 | Health Global – IRDAN103RP0001V01202324 | Personal Accident 360Shield – RELPAIP25035V022425 | Hospi Care – RELHLIP20027V012021

For detailed disclosures, premium illustrations and coverage limitations, please refer to the Health Insurance Disclaimer page.

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Frequently Asked Questions (FAQs)

What are the grace period benefits of renewing a health plan?

The primary benefit is that you get an extra 30 days to renew your plan and a chance to retain your accumulated benefits, discounts and waiting periods. So, if you renew within the grace period, you can prevent your policy from being cancelled, avoid buying a new policy at a higher premium and start your waiting period(s) all over again.

What is the validity of health insurance?

IndusInd Health Insurance (formerly known as Reliance Health Insurance) can be purchased for a period of 1 year, 2 years or 3 years.

Can I renew my health insurance online before its expiry?

Yes, you can renew your health insurance online before the actual expiration date.

Can I renew my health insurance policy after the due date?

Yes, you can renew your health insurance policy after the due date during the grace period. Depending on your policy, a grace period of 15 to 30 days will be provided to renew your health insurance plan.

Can I change my coverage during renewal?

Yes, you can change your coverage during renewal by opting for enhanced coverage or upgrading your policy for better coverage and benefits.

What is the health insurance policy renewal date?

Health insurance policy renewal date refers to the date on which the health insurance policy needs to be renewed.

Will my premiums increase at renewal?

Yes, health insurance premiums increase at the time of renewal. It is based on several factors, including your age, changes in health insurance policy coverage, medical inflation, and optional covers included. However, this increase is significantly lower compared to buying a brand-new health insurance policy.

Can I restore a lapsed or cancelled health insurance plan?

You can restore a cancelled health insurance policy by contacting us to reinstate your specific health insurance policy. It will be subject to our review and the policy’s terms and conditions.

Is automatic renewal available for my policy?

We do not offer automatic renewals, but our renewal processes are instant and simple through our website and Self-i mobile app.

Do I need a medical check-up every time I renew my health insurance policy?

No, a medical check-up is not mandatory at the time of health insurance policy renewal. However, it is subject to certain personal circumstances. For example, if you attain a certain age or upgrade to enhanced health insurance coverage, you may be asked to undergo a medical examination.

What happens if I fail to renew my health insurance during the grace period?

If you fail to renew your health insurance policy during the grace period, it will be cancelled, and you will lose coverage and all the benefits earned. You will have to purchase a new health insurance policy at a higher premium and start accumulating the benefits from scratch, such as waiting period credits and cumulative bonuses.

Is it safe to renew health insurance online?

Yes, it is safe to renew health insurance online. We extend a transparent and reliable platform to renew health insurance online in a few simple steps.

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