The Cost of Delay.
Why missing your renewal date can reset years of accumulated benefits.
No Claim Bonus
Keep up to 100% accumulated NCB benefits by renewing before expiry.
Waiting Periods
Avoid resetting 2-4 year waiting periods for pre-existing conditions.
Continuous Cover
Ensure your family is protected without a single day's coverage gap.
Grace Period Risk
Claims are generally rejected if hospitalization occurs during grace periods.
Health Insurers
Select your standalone health insurer to visit their official renewal portal directly.
General Insurers
Select your general insurer offering health policies to visit their renewal portal.
Acko
Official Portal
Bajaj Allianz
Official Portal
Chola MS
Official Portal
Generali Central
Official Portal
Digit
Official Portal
HDFC ERGO
Official Portal
ICICI Lombard
Official Portal
IFFCO Tokio
Official Portal
 Limited.svg)
Zurich Kotak
Official Portal
Liberty
Official Portal
Magma
Official Portal
National
Official Portal
Navi
Official Portal
Raheja QBE
Official Portal
Reliance
Official Portal
Royal Sundaram
Official Portal
SBI General
Official Portal
Shriram
Official Portal
Tata AIG
Official Portal
New India
Official Portal
Oriental
Official Portal
United India
Official Portal
Universal Sompo
Official Portal
Zuno
Official Portal
Renewal Best Practices.
A checklist to ensure you maximize your policy benefits during renewal.
Renew Before Expiry
Set a reminder 15-30 days prior. This gives you ample time to review your coverage, compare if needed, and avoid last-minute portal crashes.
Review Sum Insured
Medical inflation is high. Consider increasing your base sum insured or adding a high-deductible super top-up plan at strict renewal points.
Verify NCB Accumulation
If you haven't claimed, ensure your No Claim Bonus reflects correctly as an increased sum insured or a premium discount before paying.
Update Declarations
Diagnosed with a new condition? Best practice is to inform the insurer during renewal to prevent hidden non-disclosure claim rejections.
Check Nominee Details
Ensure your nominee and contact details are absolutely correct. This is critical for seamless communication and eventual claim settlement.
