- Why you need to check?
- Methods for policy check
- Post-policy lapse period
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Updated on Jul 05, 2024 4 min read
Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.
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Updated on Jan 15, 2025
Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.
Reviewed By: Anchita Bhattacharyya
15 min read
Know Your Health Insurance Policy Status
Have you ever wondered if your health insurance is still your ultimate healthcare hero? Do you know whether it is active or not? Do not worry! With PolicyX it is easy to keep your health insurance on track.
And to know more about how to check health insurance policy status, read below.
Why do you need to keep a check on your health policy?
If you do not update your health insurance policy, a lot can go wrong. Imagine this, you need urgent medical care, you go to doctors, and get the treatment, but while billing, you get to know that the policy you were relying on was inactive. Sad right? There are many other sad truths when you do not keep track of your health insurance policy status.
Have a look at the importance of keeping a check on your policy:
- If your policy lapses, you will no longer be covered. Just like in the case above, you need to pay the hospital bill OUT OF POCKET!
- You cannot ask for a claim. Not cashless or reimbursement.
- You have to go through the complete buying process again.
- You will have to go through the waiting period all over again!
- All the accumulated bonuses, rewards, and eligible discounts will be lost.
So, renew your health insurance policy on time to avail all the exclusive benefits, curated rewards, bonuses, and so much more.
How to Check Your Health Insurance Policy Status?
Although, the validity and status are mentioned in your policy document. There are many other ways to check your policy validity. Here is a step-by-step guide for each:
-
Direct from the website
- Step 1
Visit the insurer's official website.
- Step 2
Login with your policy number or date of birth.
- Step 3
Click on the "support" or "help" button on the home page.
- Step 4
Go to "check policy" or "know your policy".
- Step 5
Add your policy number and other details to open the policy.
- Step 6
The policy details will be displayed on your screen.
The steps may vary from website to website.
- Step 1
-
E-mail your insurance company
You can send an email to your insurer requesting the policy documents. You can also ask for an update on the status of your policy. Just attach the details like name of policyholder, policy number, registered phone number and date of birth with the mail.
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Call the customer care
You can find a toll-free number associated with every insurance company. You can call them and tell them your policy number and contact details for verification. After verification, you will get to know about the policy status.
-
SMS
You can get the designated number from your insurance company. Type in a particular order such as POLSTATUS<*add policy number*> (varies from insurance company to company), and send it to the number. You will get an update when the request is processed.
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Visit the nearest branch
This is an offline method where you can visit the nearest branch of your health insurance company. You can enquire about the status of your health insurance policy. They will guide you through the process further.
What to do when your Health Insurance Policy has Lapsed?
There will be two types of actions that you can proceed with depending on the period of your policy lapse.
-
First Option
If your policy has lapsed within the grace period
Usually, health insurance companies offer a grace period if you miss the renewal time. Typically this period lasts for 10-15 days. If you missed the payment on the due date, you can pay the premium with some applicable late fees within this period.
-
Second Option
Beyond the grace period
If you miss the grace period and the policy lapses, then the process will become a little complex. However, many insurers allow policy revival even after the grace period has ended. In this case, you need to contact your policy insurer for further details.
-
Third Option
Revival is not an option
If revival is not an option, then only the last option is left, which is 'applying for the new policy'.
How can PolicyX help?
The reason behind taking a health insurance policy is to protect yourself from financial stress during the time of emergency. PolicyX is the IRDAI-approved, and well-trusted insurance partner who can guide you regarding health plans, buying the policy, renewal and claim settlement - we have in-house teams dedicated to each insurance query.
Reach out to us at our toll-free number 1800-4200-269 or helpdesk@policyx.com to clear your doubts related to any health insurance queries. You can also talk to the expert directly by visiting PolicyX.com.
Consult for Personalized Insurance Advice
But how does it work?
Schedule a call with India’s number 1 trusted advisor with a 4.5+ rating on Google. We are not your average insurance agents. Our advisors are experts in their insurance knowledge and will give you the right information at the right time. The service is free of cost! Don’t worry, we won’t spam as we value your time.
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How to check your health insurance policy status?: FAQ& 039;s
1. How do I check my health policy status?
You can use online or offline methods to check your health policy status.
2. What information do I need to check my policy status online?
You will need the policy number of the policyholder, date of birth, and registered phone number, among other varying details to check the policy status.
3. How do I get my health insurance details?
You can either call the insurer or visit PolicyX to get your health insurance details.
4. How to find the policy number?
You can check the policy document or any statement issued by the insurer to check the policy number.
5. How can I avoid letting my policy lapse?
You can set up a quick reminder or put the premium on auto mode to make sure that the premium is paid ON TIME.
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Written By: Simran Saxena
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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