Free renewal review
Your premium went up. Should you just pay it?
Renewal is the one moment you can fix your cover without losing benefits. Check your increase in 30 seconds, then let an advisor review your options.
- See instantly if your hike is normal
- Compare renewing vs. porting vs. restructuring
- Keep your waiting-period credit and no-claim bonus
- Honest advice, sometimes renewing is right
Did your renewal premium jump?
Check whether the increase is normal, before you pay it.
Policy type
Did anyone cross into a new age band (e.g. 45, 50, 60)?
Any claim last year?
A licensed family team in JaipurPolicyBench advisors are licensed, with 35+ years of combined experience. We earn your trust by getting your cover right, not by pushing a plan.
Ways to cut a renewal premium
What an advisor will look at
Port to a better-priced plan
Same or better cover elsewhere, with waiting-period credit carried over.
Base + super top-up
A smaller base plan plus a top-up often costs less than one big policy.
Voluntary deductible
If you have employer cover, a deductible can lower the premium sharply.
Split the family
Moving parents to their own policy can reduce the family floater's price.
Drop unused add-ons
Riders and add-ons you're paying for but will never use.
Motor: NCB and IDV
Make sure your no-claim bonus is applied and the IDV is right.
FAQs
Questions people ask
Why do health insurance premiums go up every year?
Medical inflation, moving into a higher age band, changes to the plan's pricing, and sometimes claims. Some of these are avoidable, some aren't.
Will I lose my waiting periods if I switch?
Not if you port correctly. Waiting-period credit moves with you. Apply at least 45 days before renewal.
Is it too late if my renewal is due tomorrow?
Renew on time so you don't have a break in cover. Then plan a better structure for next year, we'll help.
Renewal due this month?
Send us your renewal notice on WhatsApp before you pay.