4 Easy Steps for Health Insurance Policy Check Online

India’s health insurance sector has seen significant growth in the last few years. A whopping 514 million people are now covered under health insurance. For every person who holds a health insurance policy, there is a need to keep track of their policy details.

You can do so through your insurer's website, mobile app or the IRDAI portal. When you monitor your policy details online, it gives you an easy way to keep track. You can even avoid last-minute surprises. In this blog, we will discuss the ways to check health insurance policy details.

Steps to Check Health Insurance Policy Through the Bajaj App

If you have an insurance policy with us, Bajaj General Insurance, then you can easily check health insurance policy details online. Follow the steps below:

Step 1: Download the ‘Bajaj General’ App

Download the Bajaj General app from the Google Play Store or App Store. With this app, you can buy, claim, renew, and track your health insurance policy on the go.

Step 2: Log in With Your Credentials

After you download it, you need to enter your registered mobile number. Bajaj will send you an OTP to your number. Enter it to access the contents of the app.

Step 3: Update Your Profile

After you successfully log in, you can choose to update your existing information. Simply click on the three dashes and access your profile details. Then change whatever you want and submit.

Step 4: Click on ‘My Profile’

You can check your health insurance policy status in this section. If you don't have a health insurance plan, you can easily purchase one through the app. Alternatively, if you wish to renew, you can click on ‘Renew Policy’ and follow the given steps.

Steps to Check Health Insurance Policy Online Through the Website

You can check your health insurance status online through your insurer's website as well. Follow the steps below:

Step 1: Navigate to Your Insurer's Website

First, search for your insurer's website. Then, using your registered mobile number, log in to your account.

Step 2: Enter Your Policy Number

Next, you have to enter your policy number to access your policy details.

Step 3: Access Your Status

After submitting your policy number, you can view your status, change the number or your credentials, and renew your claim.

Disclaimer: These steps are specific to Bajaj General Insurance and may vary according to different insurers.

How to Find Your Health Insurance Policy Number?

If you are unsure about where to look for your insurance policy number, check these steps out:

Policy Documents

You can easily find your policy number in your policy documents. These can either be physical papers or digital copies.

Usually, the policy number is on the first page or declaration page. You may also find it in your insurance certificate, if you have one.

Through App

Many people are not able to find their policy number in their documents, or they may not have access to policy documents at that moment. In this situation, you can log in to your Bajaj General account on your phone.

Then, head over to the 'My Policy' section, and you can find your alphanumeric policy number. You can also find other details of your policy, such as the renewal date.

Why Must You Check Your Health Insurance Policy Regularly?

Checking your health insurance policy regularly can help you in several ways:

Remember Your Policy Renewal Date

Checking your health insurance policy status online reminds you of the renewal date. Otherwise, you may forget to renew and miss out on discounts. Additionally, you may incur a penalty if you miss your renewal date.

New Features

Insurers may update the terms and conditions of their policies. They may also introduce new features and benefits. Therefore, when you regularly review your policy, you can incorporate these benefits and take advantage of the discounts and perks.

Increase Coverage

As life goes on, people go through new beginnings in their lives. When you review your health insurance policy annually, you get a chance to increase or change your sum-insured amount according to your family's needs.

No-Claim Bonus

If you do not make a claim for an entire policy year, then you will be eligible for a No-Claim Bonus (NCB). This could be up to 50%, depending on your insurer. When you regularly check health insurance policy details, you can avail these benefits easily.

What to do if You Miss Your Policy Renewal Date?

If you do not perform a health insurance policy check regularly, you risk missing the renewal date. But there is no need to panic. Here is what you can do to ensure you have continued coverage:

Check the Grace Period

Insurance companies usually provide a 15-30 day grace period for you to renew your health insurance policy. It will be outlined in the policy documents. If you have not exceeded the grace period, you can renew it and continue enjoying the benefits.

Late Renewal

If you have missed the grace period, you may have to apply for a late renewal and explain the reason for the lapse. In some cases, you may also have to get a medical checkup. However, late renewals often attract higher premiums.

Purchase New Policy

If your insurance company does not renew your policy, you may need to purchase a new one. This means restarting your waiting periods and not getting any NCB. Therefore, always be mindful of the renewal date and renew your policy within the grace period.

Final Thoughts

With a regular health insurance policy check online, you are informed and financially prepared about the plan. It helps you track renewals, verify active coverage, and ensure your medical protection never lapses.

With just a few clicks, you can stay in control of your health insurance and enjoy uninterrupted peace of mind.

FAQs on Health Insurance Policy Check

How can I check my health insurance policy details online?

By visiting your insurer's website or mobile app, you can easily check health insurance policy details. Download the Bajaj General app in order to manage all your policies from a single app.

Can I check my health insurance policy without a policy number?

Yes, you can check your health insurance policy details without a policy number. Your health policy is generally linked to your mobile number or email. Therefore, if you do not have access to the policy number at any moment, you may use alternatives to see your policy details.

Is it safe to do a health insurance policy check online?

Yes, it is absolutely safe to check a health insurance policy online. However, make sure to only use the official insurer’s website and app. You can check whether the website is secure by verifying ‘https’ at the start of the website name.

What information can I find when I check my policy online?

When you check your policy details online, you can find other information such as policy number, coverage amount, renewal date, expiry date, and insured members. You can also view claim status.

What should I do if I can not find my health insurance policy online?

If you are unable to view your policy details online, first, verify if you have entered the right credentials. If you have and still aren't able to view it, then call your insurer’s customer care number.

*Standard T&C apply

Disclaimer: Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.