How to Renew Alliance Health Insurance Online?

Established in 1975, Alliance Insurance Company is a leading insurance company in the UAE that offers comprehensive international as well as domestic health insurance plans. The insurance provider is known to offer individual and corporate health insurance plans with an extensive network of hospitals. 

Alliance health insurance plans are designed to give proactive support to its clients at every level. It strives to give the best service possible with professional claims management. If you already possess an Alliance health insurance plan, it is important to renew it within the given time frame. To know more about how to renew your Alliance health insurance plan, read the following sections. 

How to Renew Alliance Health Insurance Online?

If you have purchased your Alliance health insurance plan via Policybazaar UAE, you can renew your plan on the third-party aggregator’s website. For this, you need to perform the following steps -

• Visit your Policybazaar.ae and log in to the user dashboard. 
• If your policy has entered the grace period, you will find a renewal reminder for your Alliance health insurance plan.
• To initiate the renewal process, fill in the form provided on the dashboard. Mention your current health scenario. Make sure to declare all the details if you are diagnosed with any new illness.
• Once you have filled the form, you will be directed to our Quotes Page. 
• Here, you can compare the plans. You can select the existing Alliance Health Insurance plan if you are satisfied with the services offered and wish to continue it.
• You can switch to a new plan if you are not satisfied with the existing coverages and  services.
• Once you have made a choice, click on the Buy Now tab. 
• Make the payment. 

Note - In case you want to include additional coverages, you can do so during this process and then make the payment. 

What Happens if You Do Not Renew Your Alliance Health Insurance Policy on Time?

The following could be the consequences if you are unable to renew your Alliance Health Insurance policy on time - 

• Coverage Loss - Once your Alliance health insurance policy lapses, your medical coverage expires. In case a medical emergency occurs, you would have to incur the expenses from your pocket.
• No-Claim Bonus Loss - Your no-claim bonus benefit remains applicable only if you renew your Alliance health insurance policy on time. The bonus becomes zero in case you fail to renew the plan within the grace period.
• Impact on Waiting Period - The time frame during which you cannot submit a claim for specific medical conditions is known as the waiting period in a medical insurance policy. Medical insurance policies feature waiting periods for a number of common medical conditions, including asthma, diabetes, thyroid disease, and hypertension. 
  Depending on the health insurance company, a waiting period may last a few months or a few years. The delayed time is not taken into account when you fail to renew a medical insurance coverage on time. The waiting time will therefore only be taken into account by the medical insurance company when the medical policy is active.
• Application to Port the Existing Plan gets Rejected - You can switch your health coverage plan from Alliance to another if you are dissatisfied with the coverage or rate of your current health insurance policy. Please be aware, however, that only active health insurance policies may be migrated. 
  Hence, any lapse in renewing the health insurance policy could raise concerns for the new health insurance provider, which could result in the rejection of your request to move your health insurance.

Important Things to Keep in Mind When Renewing Your Alliance Health Insurance Plan Online

When it comes to renewing your health insurance, it is important to ensure that you renew it within the grace period to avoid policy lapse and consequent loss of benefits. The following are the things to keep mind when renewing your Alliance health insurance plan online -

• Draw Comparison between the Plans - The majority of insurance providers, including Alliance Insurance, begin notifying you to renew you policy 45 days before the actual expiration date. Reviewing your plan and the benefits you have been enjoying from the plan at this time is a good idea. If you are dissatisfied with the services, Policybazaar.ae lets you compare plans so you can make an informed choice.
• Opt for Add-ons - When renewing your medical insurance coverage, you may also want to think about getting the appropriate add-ons or riders. As your demands may have changed from the last policy period, the health insurer may provide some new riders that will fit your insurance requirements. As a result, you can choose the add-ons that best suit your needs.
• Go Through the Policy Wording Carefully - It is advisable to read the policy wording if, at the time of renewal, you decide to choose a different health insurance plan. Before making a choice, thoroughly review all the co-payment, deductible, and co-insurance terms and conditions.
• Stay Healthy - If your present lifestyle may lead to an increase in medical claims, your health insurance provider may request a health checkup. Because of this, maintaining good health is crucial if you want to avoid having to pay a high premium.
• Disclose All the New Illnesses at the Time of Renewal - It is recommended that you disclose any new illnesses at the time of policy renewal to ensure a simple and hassle-free claim settlement process. Before renewing the policy, get your health checked out and disclose any new diagnoses.

What is an Insurance Continuity Certificate?

If you are planning on changing a job in the UAE, this certificate is crucial before you hand over your current insurance claim cards to your previous employer. Your old employer should provide you with this certificate. Every insurer must issue this certificate for free. Valid for 30 days after issuance by the insurance company, the certificate will ensure that you are adequately covered before the new company provides you with health insurance coverage.

Why is an Insurance Continuity Certificate Important?

An insurance continuity certificate ensures that coverage remains stable throughout one's working life- even when one changes jobs or organisations. This way, there will be no gap in one's insurance plan because even pre-existing conditions remain covered. Plus, this certificate allows people to negotiate better rates with their insurance provider and save themselves a lot of money.

Conclusion

It is essential to renew your current health insurance before it expires. Doing so guarantees you are covered for medical necessities. Alliance Health Insurance has affordable plans tailored to meet various budget needs and provide excellent coverage with an easy policy renewal process. 

To know more about how to renew your Alliance Health Insurance online, read the following FAQ section.

Frequently Asked Questions