Health Insurance Renewal 2025 – How to Renew Online & Avoid Lapses

Your health insurance is only as good as your next renewal.

Renewing on time ensures your policy never lapses - so your coverage, no-claim bonus, and waiting period benefits stay intact.

With PolicyBachat, you can renew your health policy online in just a few clicks - across 20+ insurers - without losing benefits or paying penalties.

Whether it’s an individual, family, or senior citizen plan, this guide will walk you through the complete renewal process, late renewal options, and how to switch insurers easily.

Why Timely Renewal is Important

  • tick Keeps coverage active - no break in protection.
  • tick Retains no-claim bonus (NCB) and waiting period credit.
  • tick Avoids new medical underwriting.
  • tick Maintains lifetime renewability clause.
  • tick Ensures continuity for pre-existing disease cover.

Renewal Window Basics

Policy Type Renewal Period Grace Period
Annual Plans 1 year 30 days grace
Multi-Year Plans 2–3 years 30 days grace
Expired Policy Within 30 days post-lapse Requires reactivation

Note: Claims during grace period are not payable until renewal is completed.

How to Renew Your Health Insurance Online

  • 1 Visit PolicyBachat.com → Health Insurance → Renewal.
  • 2 Enter policy number & registered mobile/email.
  • 3 Compare renewal quotes (same insurer or new).
  • 4 Add/remove riders or family members if needed.
  • 5 Pay premium online -get instant renewed e-policy in your inbox.

Benefits Of Renewing Via Policybachat

  • tick Compare renewal quotes from 20+ insurers.
  • tick Retain waiting period credit even if you switch.
  • tick One-click renewal reminders via email/SMS.
  • tick Free claim support after renewal.
  • tick Secure payment gateway with 24×7 confirmation.

Local Insights

  • tick Avg. renewal rate (on-time): 92%.
  • tick Most common renewal month: January.
  • tick Top insurers renewed with: HDFC ERGO, Care Health.
  • tick Avg. NCB carried forward: 25%.

How To Renew An Expired Policy

If your policy lapsed within 30 days:

  • Contact your insurer or renew on PolicyBachat immediately.
  • Submit health declaration form if requested.
  • Pay pending premium with no-claim break penalty.
  • Receive reinstatement confirmation and policy continuity.

If lapse > 30 days:

  • Fresh application required (waiting periods restart).
  • New medical tests may apply.

How To Switch Insurers At Renewal (Portability)

Portability allows you to move to a new insurer without losing benefits.

  • 1 Apply for portability at least 45 days before renewal.
  • 2 Choose new insurer via PolicyBachat.
  • 3 Submit old policy copy & claim history.
  • 4 New insurer verifies and issues policy with benefits carried over.

Common Reasons for Renewal Failure

  • cross Missed premium reminders.
  • cross Payment delays beyond the grace period.
  • cross Wrong contact or policy details.
  • cross Ignoring renewal because of “no claims.”

How To Avoid Policy Lapse

  • tick Set auto-debit or ECS mandate.
  • tick Keep policy info updated (email & phone).
  • tick Enable renewal reminders on PolicyBachat.
  • tick Renew at least 7 days before due date.

Tax Benefits On Renewal

Renewed premiums continue to qualify for Section 80D deduction:

  • ₹25,000 (self + family)
  • ₹25,000 / ₹50,000 (parents)
    • Up to ₹75,000 total annual deduction.

Policybachat Tip

Never wait for the grace period - renew 7–10 days before expiry. It keeps your coverage and no-claim bonus safe, and you can even explore better-priced options

Frequently Asked Questions

You get a 30-day grace period; after that, the policy lapses.

Yes, instantly via PolicyBachat.

Yes, if not renewed within grace period.

Yes, through policy portability.

No, unless coverage is being increased substantially.

You can port to another insurer with full continuity.

Yes -subject to underwriting approval.

No penalty within grace period; post that, plan restarts fresh.

Yes, under Section 80D.

Yes, but premium recalculated based on current rates.

Customer Reviews

“Renewed in 3 clicks -super smooth process.”

Sneha Reddy, Hyderabad

“PolicyBachat reminder saved me from policy lapse.”

Rohit Menon, Kochi

“Carried forward my 4-year waiting period easily.”

Karan Patel, Mumbai

“Got lower premium by switching at renewal.”

Ananya Sharma, Bengaluru

“Excellent support for renewal and claims.”

Vikram Nair, Delhi

“Love the auto-renewal and NCB continuity.”

Priya Desai, Chennai

Related Links