Star Family Health Optima Health Insurance

A health insurance policy usually stays valid for 1 year after which it requires renewal. However, there are plans which offer 2 to 3 years of validity at extra costs. If a health insurance policy is not renewed timely, it lapses and the policyholder loses all the accumulated benefits. Moreover, there is a renewal window of 7-30 days beyond the policy tenure to allow policyholders a grace period to renew the plan and to protect the continuity benefits such as the waiting period and NCB or No Claim Bonus.

Here, you may also note that for every claim-free year, Star Health insurance policyholders can avail of an NCB of 50% on the sum insured, which can go up to a maximum of 100%. Thus, policyholders who haven’t raised a claim during a policy term can expect a reward in the form of a boost in the coverage bandwidth without an increase in the premium price.
Let us now take a look at the steps to renew a Star Health insurance policy online:

1. Visit the official portal of the insurer for Star Health policy renewal online
2. Select the 'Renewal’ button on the homepage
3. Submit your policy details and date of birth and click on the ‘Continue’ button
4. You can see the renewal amount to be paid on the page that appears
5. Make the payment using any online payment mode
6. Once done, you will receive the documents of Star Health policy renewal on your registered email ID