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    General Insurance

    Health Insurance Renewal

    HealthInsuranceRenewal

    Key Features

    Seamless Renewals, Uninterrupted Health Coverage

    Coverage Highlights

    Get comprehensive coverage for your health
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    • Seamless Renewal Process

    Easy online renewal without paperwork.

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    • Continued Coverage

    No break in coverage for pre-existing conditions.

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    • Customisable Plans

    Option to enhance coverage or add riders.

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    • No-Claim Bonus Benefits

    Discounts on premiums for claim-free years.

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    • Hassle-Free Digital Access

    Manage policies and claims online.

    Inclusions

    What’s covered?
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    • Hospitalisation due to illness or accidents

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    • Coverage for prescribed diagnostic tests

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    • Doctor consultation fees and treatment costs

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    • Option for maternity and wellness benefits

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    • Organ donor expenses

    Exclusions

    What’s not covered?
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    • Pre-existing conditions if the waiting period is not met

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    • Cosmetic treatments and non-medical expenses

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    • Alternative therapies unless specifically covered

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    • Self-inflicted injuries and substance abuse-related treatments

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    • Experimental or unapproved treatments

    Additional Covers

    What else can you get?
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    • 24/7 Health Helpline for medical queries

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    • Digital Claim Submission for faster processing

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    • Online Policy Management and Renewal

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    • Preventive Health Check-up Benefits

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    • Cashless Hospitalisation at Network Hospitals

    Coverage Highlights

    Know more
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    • Inpatient Hospitalisation Expenses

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    • Pre - and Post-Hospitalisation Costs

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    • Daycare Procedures Coverage

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    • Critical Illness Rider Option

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    • Emergency Ambulance Cover

    What is Health Insurance Renewal?

    Health insurance renewal is the simple process of continuing your existing medical insurance plan for another year or a longer policy period before it expires. A health insurance policy renewal offers continuity of your coverage for hospitalisation, medical expenses and top-notch treatments without any interruptions.

     

    On-time medical insurance renewal helps to avoid policy lapses, retain accumulated benefits such as waiting period credits, no claim bonuses and secure a consistent premium for you and your family. Whether you plan health insurance renewal offline or online, timely renewal secures uninterrupted access to cashless treatments and protects you against unexpected hospital bills.

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    Quick Overview

    • 1

      Policy Renewal: The process to continue the existing health insurance plan with an on-time renewal premium payment. 

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      Key Coverage: It offers complete protection, including cashless facilities, treatments, and hospitalisation without interruption. 

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      Grace Period: If you miss the due date for making a payment renewal premium, use the grace period to ensure seamless protection. 

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      Portability and Upgrade: During health insurance renewal, you can port to Bajaj General and increase coverage, adding riders or increasing sum insured. 

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      Required Documents: For Bajaj health insurance renewal, keep your existing policy number, payment details and ID proofs ready for the online process. 

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      Online Process: You can complete the health insurance renewal process online through the app or website of Bajaj General Insurance to avoid coverage breaks.

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    Benefits of Renewing a Health Insurance Policy Before Expiry

    You must renew your policy before expiry to have peace of mind, keeping your coverage active in emergencies. Here are the key benefits. 

     

    Renew Health Insurance Coverage Online

    Renew your health insurance policy online; it is a quick and convenient process to get instant coverage within a few minutes. Here is the guide on how to renew a health insurance policy:
    Log in to the Bajaj General Insurance website with your credentials. 
    Now select your current health insurance plan from the dashboard. 
    Cross-check your policy details, including coverage options and sum insured.
    You can enhance your coverage, adding extra protection or a rider if required.
    Complete the premium payment through net banking, debit, credit card, or UPI. 
    After completing payment, you will receive your renewed policy documents and a successful payment, so download them. 
     

    Grace Period Benefits During Health Insurance Renewal

    During health insurance renewal, insurance companies generally offer a grace period of 15 to 30 days after your policy's due date to keep coverage active and pay premiums. If you miss your renewal date, you can still pay the premium within the given grace period without losing the continual benefits, like no-claim bonus and waiting period. 

    However, your policy coverage remains inactive until you make the medical insurance renewal payment. So complete the health insurance renewal process before it expires.

    Can You Transfer Health Insurance Policy During Renewal?

    Yes. You can transfer a health insurance policy during renewal, from your existing insurer to the new one under IRDAI portability guidelines. Based on the guidelines, you can retain the accumulated benefits, such as no-claim bonus and waiting period credits. 
    When renewing a health insurance policy, remember you must apply for the transfer within 45 days before your health insurance renewal process expiry date.

    Factors to Consider While Renewing a Health Insurance Policy

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      Sum Insured and Cost: Look at your current cover amount and rising hospital bills, and raise the sum insured. You can pick an online plan that provides comprehensive coverage at a premium you can manage long-term.

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      Policy Terms and Conditions: You must read any changes to terms, exclusions, waiting periods, or co-pay rules. Know what the insurer updated before you confirm.

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      Coverage Fit: Before you finish the health insurance policy renewal, check room limits, sub-limits, and extra covers. Make sure the plan still meets your family’s medical needs.

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      Add-On Benefits: Decide if you need extras such as critical illness cover, maternity benefits, an outpatient department, or personal accident cover. Choose additional coverage based on your health requirements and family needs.

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    Documents for Renewing Health Insurance Online

    Keep the documents mentioned below before starting the health insurance renewal process, and make your online experience smooth and quick. 
    Existing health insurance policy number. 
    Valid identity proof such as PAN card, Aadhaar card or passport. 
    All updated contact details, such as email address and mobile number. 
    Your address proof, like utility bills, or a voter card.
    Claim details (if you made any in the previous policy year, with discharge summaries).
    Payment or bank account details for any further premium transactions. 
    Medical reports (If required while porting).
    Filled out and signed the renewal form. 
     

    Why Choose Bajaj General Insurance Limited for a Health Insurance Plan?

    You can receive digital, you can access digital process, easy 24/7 support, reliable service and policy assistance with Bajaj General Insurance. Learn why to choose us for a health insurance renewal.  

      

    Points to Keep in Mind When Renewing Your Health Insurance Policy

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      Renew On Time: You can start health insurance renewal before the expiry date, without losing benefits and fresh medical checks.

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      Review Your Health Needs: You can raise the sum insured, add family members, or add riders when renewing a health insurance policy.

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      Verify Coverage and Benefits: During health insurance policy renewal, you can review the sum insured, room limit, and add-ons like critical illness cover. 

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      Check and Update Information: During every health insurance policy renewal, confirm member details, nominee names, and phone or email for smooth claims and quick updates.

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    How to Buy Renew and Claim Health Insurance Online?

    How to Buy, Claim & Renew Health Insurance

    How to Buy

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      Visit Bajaj General website

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      Enter personal details

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      Compare health insurance plans

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      Select suitable coverage

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      Check discounts & offers

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      Add optional benefits

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      Proceed to secure payment

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      Receive instant policy confirmation

    How to Renew

    • 1

      Login to the app

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      Enter your current policy details

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      Review and update coverage if required

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      Check for renewal offers

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      Add or remove riders

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      Confirm details and proceed

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      Complete renewal payment online

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      Receive instant confirmation for your policy renewal

    How to Claim

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      Notify Bajaj General about the claim using app

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      Submit all the required documents

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      Choose cashless or reimbursement mode for your claim

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      Avail treatment and share required bills

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      Receive claim settlement after approval

    How to Port

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      Check eligibility for porting

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      Compare new policy benefits

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      Apply before your current policy expires

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      Provide details of your existing policy

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      Undergo risk assessment by Bajaj General

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      Receive approval from Bajaj General

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      Pay the premium for your new policy

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      Receive policy documents & coverage details

    Frequently Asked Questions on Health Insurance Renewal

    How do I go about renewing health insurance plans?

    Don’t stress the small things in life! The easiest and quickest way to renew your life insurance policy is by doing it online. Topping up your health cover gives you freedom from worrying about heavy medical expenses. Been on the go a lot lately? No problem. Just download the Bajaj General App, and you’re sorted. 

    How is the health insurance renewal premium calculated?

    We know that reading through the ponderous terms and conditions section of a health insurance policy isn’t always easy. So, here is the quick answer. Your renewal premium is calculated based on your age and coverage. As always, you can put the power of compounding to good use by investing in health insurance as early as possible.

    Can I renew my expired health insurance policy?

    Yes, of course. Life can get really busy, and even things as important as renewing your health insurance plan can get sidelined. With Bajaj General, we turn back the clock to give a grace period where you can renew your expired policy. For 30 days from the expiry date, you can still renew your health cover with ease. Now, you can run the race at your

    Can I renew health insurance online?

    Absolutely! All you have to do to renew your health insurance is click or tap a few times! You can definitely renew health insurance policies online and also buy a new policy for your family & friends. Click here to know more.

    Will I be able to transfer my health policy from another company?

    Yes, as per IRDAI regulations, insurance portability between providers is allowed. This also includes transfer of benefits like Cumulative Bonus and credits relating to the waiting period for pre-existing diseases.

    Why is medical insurance necessary for your health?

    Medical insurance provides financial protection against unexpected medical expenses, ensuring access to quality healthcare without depleting your savings.

    How many dependent members can I add to my family health insurance plan?

    You can add your spouse, children, parents, and other dependents as per the policy terms, ensuring comprehensive family coverage.

    Why should you compare health insurance plans online?

    Online comparison helps you find the best plan that suits your needs and budget, offering a clear understanding of coverage and benefits.

    Why should you never delay the health insurance premium?

    Delaying premiums can result in policy lapse, losing coverage benefits and financial protection, and may lead to difficulties in renewing the policy.

    How to get a physical copy of your Bajaj General Insurance Com?

    Request a physical copy from the insurer or take a printout of the digital policy document received via email.

    Is there a time limit to claim health cover plans?

    Claims should be made within the stipulated time as per the policy terms to avoid rejection and ensure timely processing.

    What are network hospitals in health insurance?

    Network hospitals are those with tie-ups with the insurer, offering cashless treatment facilities, simplifying the claim process for the insured.

    How do you buy Bajaj General Insurance Limited Health Insurance?

    Visit the website or app, select the desired plan, fill in personal details, compare options, and make the payment to receive the policy document via email.

    Which is better: health insurance or medical insurance?

    Health insurance offers broader coverage, including pre and post-hospitalisation expenses, while a mediclaim policy primarily covers hospitalisation costs, making health insurance more comprehensive.

    Do you need Rs. 1 crore health insurance?

    A Rs. 1 crore health insurance plan provides extensive coverage for high medical expenses, offering comprehensive financial protection against significant healthcare costs.

    Which health insurance is the best?

    The best health plan offers comprehensive coverage, cashless treatment at network hospitals, a high claim settlement ratio, and excellent customer support.

    What are the four common health insurance plans?

    The four common health insurance plans are individual, family floater, critical illness, and senior citizen health insurance, each catering to specific needs and demographics.

    Which is the best health insurance provider in India?

    The best health insurance provider in India is Bajaj General Insurance Limited. We offer comprehensive plans, a wide network of hospitals, a high claim settlement ratio, and responsive customer service.

    Why should you never delay the health insurance premium?

    Delaying premiums can result in policy lapse, losing coverage benefits and financial protection, and may lead to difficulties in renewing the policy.

    Is there a time limit to claim health cover plans?

    Claims should be made within the stipulated time as per the policy terms to avoid rejection and ensure timely processing.