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Why does health insurance premium increase on renewal?

Reasons why your health insurance premium increases on renewal

Things to consider while renewing your health insurance

Tips on renewing your health insurance and saving on health insurance premiums during renewal

  • Always start the process of reviewing and renewing your health insurance policy in advance, waiting until the expiry date is always a bad idea! At least starting 45-days is a good way to think about it! This way, you will not miss out on any renewal benefits or bonuses either (renewal benefits and any special bonuses will not be applicable if you don’t renew your policy before its expiry date).
  • If you are renewing or buying new individual health insurance plans for your family members, then don’t blindly pick the same sum insured for all. Healthcare needs change with age so choose your sum insured for your family members accordingly. For example: Your young kids can do with minimum coverage of 1-2 lakhs but maybe your parents may need a higher sum insured of 5 to 10 lakhs. Choosing the right sum insured will directly impact your premium and maybe also help you save some money.
  • If you’ve been diagnosed with a new illness or disease during the year, it’s best to disclose this to your insurer during renewal and check diligently regarding the coverage of the same in your policy so you’re not up for any last-minute surprises during claims! 
  • Check your policy to see what the renewal benefits your insurer offers. So, you can ensure you get them during your health insurance renewal.