Health insurance is an important part of modern-day society where medical prices are skyrocketing. More than this, in today’s hectic lifestyle, having valid health insurance is essential in order to access essential healthcare facilities and provide financial security in the event of an unforeseen medical emergency. However, in the middle of day-to-day activities, it is very easy to lose track of your policy's validity, potentially resulting in circumstances where coverage is unavailable when needed. Hence, it is essential to check health insurance validity from time to time. This page discusses how to know health insurance validity online and offline along with what can be done if your policy has lapsed.

Ignoring your health insurance validity check can have serious implications. A lapsed policy leaves you uninsured for medical expenses, perhaps resulting in significant financial strain while seeking medical treatment.

Picture this scenario: Your mom suddenly becomes unwell and needs immediate medical attention. Taking her to the hospital, you provide your insurance information, expecting full coverage. However, you are notified that your coverage expired. This news not only adds to the tension of the situation but also puts a substantial financial strain on you. Without valid insurance coverage, you have been left with the onerous responsibility of paying for your mother's medical bills out of pocket. This could drain your savings and cause financial instability in your family. Therefore, it is important to perform a medical insurance validity check periodically.

Checking your health insurance validity is a simple process and there are several options available that suit your convenience:

This is one of the quickest and easiest ways to check your health insurance validity. Most companies provide dedicated online portals where policyholders can manage their accounts and view policy information. Follow these steps to check your health insurance validity online:

• Visit your insurance provider’s website.
• Look for the login section and enter your credentials, which are normally your registered username/password, or in case you are registering for the first time, you may be required to enter your policy number, and registered contact number, among other details.
• Once logged in, go to the section that displays policy details. Look for details outlining the policy's validity, such as the start and expiry dates. You can also view other information about the coverage and your premium payment history.

Alternatively, several insurance providers offer mobile applications with similar functionality. You just need to download the application and log in with your credentials to view your policy information, including the validity term.

How To Check Health Insurance Validity Offline?

Contact Customer Care Helpline: Find the customer service toll-free number given on the policy or the company's website. Call the number and follow the directions to speak with a customer care agent. When your call connects, a representative will verify your policy and personal information. They will then consult the database to ascertain your policy status. If the policy is active, they will provide relevant details; if it has lapsed, they will lead you through the next stages.

Email Inquiry: Use the email address provided on your insurer's website. Ensure that your email address is registered with them. Simply submit an email seeking information on your policy, including the policy number and contact details. Expect different response times.

• Contact your insurance provider through their website or customer service hotline.
• If you are visiting the website, provide your policy details. Verify the policy information provided. If you have the option to reactivate your lapsed policy, pay the premium and any associated penalties online from the website.
• If you prefer to contact customer service, the representative will walk you through the full procedure, allowing you to reactivate your policy.
• You can also renew your coverage by visiting your insurer's nearest branch and paying the premium.

In short, performing a medical insurance expiry check is a must for uninterrupted access to healthcare services and unforeseen financial strain. While choosing the right health insurance, wise decision-making is facilitated through staying informed about filing a health insurance claim or using a health insurance calculator in order to determine premiums. Prioritising the validity of the health insurance can give the needed peace of mind and easy access to treatment when required.

How can I know if my health insurance is valid?
You can visit your insurer’s website, call their customer service number, send an email, or go to their nearest branch for policy validation.

What should I do when my policy has expired?
At expiry of your plan, you can still discuss with your insurer about ways of having it reinstated through their website or customer care line.

Does checking the validity of my medical cover have any fees charged?
Normally this is free as insurers usually provide such a service for free while confirming the genuineness of your medical protection plan.

What information do I need to submit when checking the validity of my online health insurance?
Your policy number and contact details are usually provided to confirm that you are still covered online.

Why is it important to periodically evaluation the validity of my medical health insurance coverage?
Yes, you must check the validity of your coverage on an ordinary basis to maintain endured coverage in the course of medical emergencies and minimise any monetary burdens.

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.