Medical emergencies can unnerve you. If you have a valid health insurance policy in your pocket, you will not be scrambling for finances in such times.

Note that the validity of your policy is, however, vital for claim settlement. You cannot raise a claim if your policy is past its expiry date. So, have you ever wondered how to check health insurance validity?

Here’s a handy guide that talks about various options that you can use to check the validity in a hassle-free fashion:

How to check health insurance validity online

Check via the website: Most health insurance companies allow their customers to check the validity of insurance plans online. You can visit the official website of your insurance company and log in to the dedicated customer portal using your login credentials. You will be redirected to a dashboard where the health insurance policies you have purchased are listed. By simply clicking on any of the policies, you will be able to see all the relevant details, such as the date of enrolment, the policy period, coverage and the current status.

Check via e-mail: Alternatively, you can request your insurance company for an update on the status of your policy through e-mail. You can find the e-mail ID of the insurer in your policy document. Otherwise, you can find it on the website of the insurance provider. You need to provide the policy name, policy number, name of the policyholder and the date of enrolment in your email.

How to know health insurance validity offline

Check via SMS: Certain companies allow you to obtain the policy status via SMS services. If you choose the SMS option, you need to type in your policy number, the relevant keyword, in a particular order, like POLSTATUS<> (Policy Number), and send it to the designated number.

Once the request is processed, you will receive the updates via SMS.

Check via phone call: You can call the toll-free customer care numbers of the insurance company. The numbers are listed on the official website as well as the on policy letter. Once you are connected to a customer care executive, provide the policy number and ask about the status. Usually, the toll-free helpline is operational throughout the week during business hours.

If none of the options listed above work for you, you can always visit the nearest branch of your insurance company and enquire about the validity of your health insurance plan. You will need to provide the policy number. It is advisable to carry the policy documents/letters with you.

A health insurance policy will help keep your family afloat when faced with an unexpected financial burden. Make sure to choose the right medical insurance policy and secure the future of your loved ones. Once you enroll, don’t forget to keep a tab on the validity to enjoy a smooth claim settlement process.

Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.