Care Health Insurance Renewal

As you think about renewing your Care health insurance, consider these factors that can influence the amount you will be paying as policy renewal premium:

• Age Matters: Your age plays a great role in determining how much you pay for your insurance renewal. As you grow older, the chances of facing higher renewal premiums increase.
• Claims Track Record: Your history of filing claims also matters. If you had made frequent claims, especially for significant medical expenses, it could impact the cost of renewing your Care health insurance.
• Policy Changes: Any changes you make to your Care health insurance policy can affect your renewal premium. Whether you're expanding your coverage or adding extra riders to your health insurance policy, these changes might lead to an increase in what you will pay as a renewal premium.
• Inflation Impact: Your Care medical insurance renewal premium might get increased by the company to keep up with the rising costs in the healthcare industry.

Here’s the information on how you can check the renewal date of your Care health insurance policy and how you will be reminded of the same.

How to Check the Renewal Date?

Following are the ways that can help you with checking the renewal date of your Care health insurance policy:

• Check Your Policy: It's always recommended to go through your Care Health Insurance document to get a clear idea of the policy renewal date. Please note that the date of the policy expiry is the same date you should renew it. Renewing on or before this date keeps you covered without any interruptions.
• Check Website: Alternatively, you can check the InsuranceDekho or Care Health Insurance website to know your policy renewal date. Once you log in, you'll find all your policy details, making it easy for you to know when your Care Health insurance needs renewal.
• Call Customer Support: Last but not least, you can contact the customer support team of InsuranceDekho or Care Health Insurance Limited. On sharing the required details from your end like name, policy number, etc, they’ll tell you when to renew your Care health policy.

NOTE: In case you forget to renew your Care medical policy on the expiry date, you can still renew it during the Grace Period provided by the insurer.

*Grace period refers to the extra time provided by an insurance company to policyholders after the payment deadline has passed so they can renew their coverage without incurring fines or having their policy lapse. The timeline of the Grace period differs from insurer to insurer.

Reminder Options

You can stay on top of your policy renewal date with these convenient reminder options:

• InsuranceDekho Reminder: InsuranceDekho will remind you to renew your Care health insurance policy by sending you timely reminders through WhatsApp messages or emails.
• Email or SMS by the Insurer: You can also expect renewal reminders directly from Care Health Insurance Limited. The insurance provider will drop you an email or send an SMS to make sure that you’re always aware of when your health insurance policy is about to expire.

You can enjoy the following benefits when you renew your Care health insurance policy:

• Continuity of Coverage: Gaps in your health insurance coverage can leave you hanging, especially when life throws unforeseen situations your way. So, renewing your medical insurance policy will ensure a seamless flow of coverage.
• Long-Term Tenure Discounts: If you opt for an extended policy period there are chances that you can qualify for long-term tenure discounts. This means that you will get health insurance coverage at a lower price in case you choose to renew your policy for a long tenure.
• Reduced Waiting Period: One additional advantage of renewing your Care health insurance coverage is a shorter waiting period, which enables you to obtain complete health insurance coverage in a shorter time frame.

*The waiting period is the predetermined time during which certain health insurance benefits, coverage, or claims are not applicable or payable.

• Wellness Benefits Discounts: At the time of policy renewal, certain insurance providers offer Wellness Benefits, allowing you to get discounts just for staying healthy. You can consider it like a little reward for taking care of yourself.
• No Claim Bonus: Policy renewal lets you hold on to your no-claim bonus, which is a special discount for steering clear of claims throughout the policy period. It's a reward for staying healthy and maintaining a smooth insurance journey.
• Free Health Checkup: When you renew your health insurance policy, some insurance companies provide free health checkups. It comes as a bonus with your renewal and will help you stay fit and healthy.

Here are the consequences and the potential risks that you can face in case of non-renewal of your health insurance policy:

• Loss of Health Coverage: Failure to renew your Care Health Insurance policy leads to an immediate loss of health coverage. This not only leaves you vulnerable to unexpected medical expenses but also puts your overall financial stability at risk.
• Financial Risks: Medical treatments are expensive, and without insurance coverage, you might have to bear the entire cost alone. This can put you at financial risk and can impact your long-term financial well-being.
• Reapplication Process: Missing the deadline for renewing your Care Medical Insurance policy triggers a time-consuming reapplication process. Apart from being time-consuming, the process might also involve increased premium rates based on your current health status.
• Risk of Pre-existing Condition Exclusion: Non-renewal of your policy introduces the risk of facing exclusions for pre-existing conditions in the future. This could mean that certain health issues that you may have developed during the lapse in coverage might not be covered when you reapply for a fresh policy.
• Waiting Period: When you skip the renewal of your Care health insurance, you forfeit the benefits you gained during the waiting period. This can result in delays in obtaining coverage for specific health issues and will leave you exposed to potential medical issues without the necessary support.

When renewing your Care Health Insurance policy, one must consider the following factors:

• Waiting Period: Carefully review waiting periods associated with specific illnesses or treatments. This includes initial waiting periods as well as those related to pre-existing conditions. Understanding these waiting periods allows you to stay informed on when certain coverages become effective.
• Policy Details Verification: Make sure you take the time to thoroughly review the sum insured, inclusions, and exclusions outlined in your Care health insurance policy. Check whether the coverage aligns with your current healthcare needs and be attentive to any changes in policy terms and conditions that may affect your coverage.
• No Claim Bonus (NCB): Assess the impact of the No Claim Bonus on your health insurance policy and utilise this bonus to maximise the benefits of your health insurance coverage.

Documents Required For Renewal

For the renewal process of Care medical insurance, the following documents are typically required:

• A filled and signed Policy Renewal Form
• ID proof, like an Aadhaar Card, Voter ID, or Passport
• Address proof, such as a Rental Agreement or Utility Bill
• Previous policy details
• Medical Check-up Reports
• Claim History
• Some insurance policies, particularly those with a high sum insured, may require Income Proof

When it comes to renewing your policy, you have the flexibility to make the payment through any of the following modes:

• EMI (Equated Monthly Instalments)
• Digital Payment Application, if applicable
• Credit Card
• Debit Card

You can use either the Online way or Offline way to renew your Care Health Insurance policy. Refer to the sections below to learn how each of these processes works.

Online Procedure

If you choose to renew your Care medical policy online, you can use any of the following two ways:

Online Procedure of Care Health Policy Renewal with InsuranceDekho

Step 1: Navigate to the official InsuranceDekho website and click on the "Support" option from the top bar

Step 2: From the dropdown list, click on "Renew Policy"

Step 3: Enter your mobile number in the required field and tap on "Send OTP"

Step 4: Log in with the OTP and access your Care health policy details

Step 5: Next, hit the "Renew" button to initiate the renewal process

Step 6: Complete the payment to finalise the policy renewal and upon successful payment, your Care Health Insurance policy will be renewed

Online Procedure of Care Health Policy Renewal via the Official Site

Below are the steps to renew your Care health insurance plan through the Care website

Step 1: Visit the Care website and click on the "Renew" option from the top bar menu

Step 2: Enter all the required information, such as policy number, registered mobile number, and date of birth

Step 3: Now, click on the "Let's Renew" button

Step 4: On the next page, you will see the renewal payment amount that you need to pay

Step 5: Once the payment is made, your Care health insurance will be renewed and the policy documents will be sent to your registered Email ID

Why Renew with InsuranceDekho?

• Unbiased Opinion: You can trust us to provide informed and unbiased insurance guidance tailored to your needs
• Renewal Reminder: With timely renewal notifications, we keep you updated, allowing you to make timely decisions regarding your health insurance coverage
• Support Throughout: InsuranceDekho helps you with policy renewals and modifications, if any
• Port Feature: If you find yourself dissatisfied with your current insurance provider, we assist you in the process of porting to a different insurer.

Offline Procedure

Choosing the offline route for renewing your Care Health Insurance policy offers two options:

• InsuranceDekho Relationship Manager: You can opt for a home assistance service by requesting a visit from InsuranceDekho's Relationship Manager. The concerned person will guide you through the renewal process and address your specific needs.
• Visit the Insurer's Branch Office: Alternatively, you have the option to visit the insurer's branch office in your city [1], where you can receive assistance and complete the renewal process with the help of the insurer's staff.

The important considerations for renewing an expired Care Health Insurance policy are as follows:

• Eligibility: Care Health Insurance offers a grace period of 15 days for policy renewal. [2]
  *The grace period might differ depending on the policy you choose, ranging between 15 to 30 days.

• Condition: If your policy expires and you renew it within the grace period, be aware that there will be no coverage during the gap between the expiry date and the renewal date within the grace period. This means any medical expenses incurred during this interval will not be covered.
  Example: If your Care health policy expires on 15th March, the grace period will extend till 30th March. And, if you renew your health insurance policy on 20th March, there will be no coverage from 15th March to 19th March., as the Insurance provider holds no liability during that interval.

• Premium: The premium for renewing an expired policy typically remains the same, until and unless there are any alterations in your address, age slab, or rider additions.
• Renewal Process: Follow the renewal process included in the section above to proceed further with renewing your Care health insurance policy.

If you find yourself dissatisfied with your current insurance company, consider the following steps:

• Discuss Issues During Renewal Contact: When InsuranceDekho's renewal team contacts you, take the opportunity to discuss the issues you are facing. This allows you to seek resolutions or explore potential modifications to your policy that better suit your needs.
• Porting Your Coverage with InsuranceDekho: You can even take advantage of InsuranceDekho's port feature that allows you to port your existing health insurance coverage to another insurer of your choice through InsuranceDekho. Our team can also provide recommendations based on your specific requirements.
• Connect with an InsuranceDekho Advisor: Connect with an InsuranceDekho advisor by calling +91-7551196989 or sending an email to support@insurancedekho.com. [3]

Numerous misconceptions surround the process of renewing health insurance policies. Let's have a look at some of the common ones:

Myth 1: Renewing Policy Before Expiry is a Waste of Money

Reality: Contrary to popular belief, renewing your Care health insurance policy before the actual expiry date does not result in a waste of money. Even if you renew the policy before the expiry date, it will get renewed on the exact expiry date, ensuring that you receive the full coverage period without any financial loss

Myth 2: Premiums Always Increase with Each Renewal

Reality: It's a common misconception that health insurance premiums rise with every renewal. In reality, premiums do not automatically increase. Factors such as changes in age brackets or specific circumstances, like adding riders or relocating from a Tier 3 city to a Tier 1 city, may lead to changes in the premium.

Myth 3: No Need to Review Policy Terms During Renewal

Reality: Some policyholders believe that policy terms remain constant, making it unnecessary to review them at the time of renewal. However, insurance policies can undergo changes, and it's important to stay informed about any modifications to ensure that your coverage aligns with your current requirements.

In case you face any issues while renewing your Care Health Insurance policy, you can contact the Care Customer support team for assistance.

Contact Care Health Insurance

• Download the Care Health Insurance mobile app
• Connect via Whatsapp by messaging "Hi" on 8860402452
• Engage with the Chatbot
• Use the online Self-help Portal [4]
• Call customer support team on 1800-102-6655 or 1800-102-4488
• Request a Call Back at your preferred time [5]

Contact InsuranceDekho

For any assistance regarding your Care policy renewal, feel free to contact InsuranceDekho's customer support team as well.

• Send an email to support@insurancedekho.com
• Reach out to InsuranceDekho's helpline at 755 1196 989 to speak with a dedicated customer support representative [3]

1. https://www.careinsurance.com/health-insurance-branch-locator.html
2. https://www.careinsurance.com/blog/health-insurance-articles/what-should-you-do-if-your-health-insurance-policy-lapses
3. https://www.insurancedekho.com/contact-us
4. https://www.careinsurance.com/contact-us.html
5. https://www.careinsurance.com/rhicl/proposalcp/renew/index-care