Renew Your Health Cover
Online Easily.

Click on your insurance company's logo above to securely visit their official portal. Keep your policy number, registered mobile number, or email handy to complete the process.

IRDAI's Master Circular on Health Insurance Business (29 May 2024) gives a grace period of 30 days for annual premiums and 15 days for monthly instalments. Renew within it and the credits you have built, such as no-claim bonus and waiting periods served, are protected. The circular promises cover during the grace period only where premium is paid in instalments; for an annual renewal your policy wording decides, so renew before the due date. If you fail to renew within the grace period, your policy lapses, resetting your NCB and waiting periods.

Yes. Renewal is the ideal time to increase your sum insured or add riders. Note that the newly increased portion may be subject to fresh waiting periods depending on the insurer's underwriting.

Yes, you can port to a different insurer at renewal without losing your accrued waiting period benefits. IRDAI's Master Circular on Protection of Policyholders' Interests (5 September 2024) asks you to apply to the new insurer no earlier than 60 days and no later than 30 days before renewal; nyvo research (September 2026) suggests applying 45 to 60 days before your renewal date, so the new insurer can finish underwriting before the old policy lapses.

Yes, if you file under the old tax regime. Under Section 80D (section 126 from tax year 2026-27), you can claim deductions up to ₹25,000 for yourself and your family, plus an additional ₹25,000 to ₹50,000 for parents.