Everything Need to Know About Renewing Your Health Insurance

Renewing health insurance in the UAE might seem like a small task, but it’s something you don’t want to delay. Many people forget about it until the last minute, which can cause trouble, especially if your plan expires. Without valid insurance, you could face fines or even lose access to regular medical care. The good news is that renewing your health insurance plan is simple if you start early. It’s best to sort it out at least a couple of weeks before your current policy ends so there’s no stress or gaps in coverage.

How to renew a health insurance plan?

There are two primary ways to renew medical insurance plans, online and offline.

Online method

In the case of the online method, you need to visit the official website of your insurance provider and enter all the details of your policy. After that, the insurance company will send you the policy premium quotations, and then you can make a decision based on that. Once you select the policy renewal option you prefer, you can pay the premium amount and receive the policy information through your registered contact number and email address.

Offline method

Besides online, you can renew your health insurance offline. For that, you can now get in touch with the executives of the insurance provider and compete for the due process and make the premium payment. After that, you will receive your policy papers once the application is through.

However, before you go ahead with this process, you need to keep a few points in mind to make an informed decision.

How to Renew Your Health Insurance with Policybazaar.ae?

Renewing your health insurance in the UAE is simple through Policybazaar.ae. Whether you're buying a policy for the first time or simply renewing an existing one, the process is smooth, quick and can be done from the comfort of your home.

If you’re Renewing a Health Insurance Policy You Already Bought on Policybazaar.ae

If you’ve bought your health insurance through Policybazaar.ae before, renewing it is simple. Here's how it works —

• No login needed – You don’t have to remember any passwords.
• You’ll receive a reminder via SMS or email a few weeks before your policy is due to expire.
• Click on the ‘Renew Now’ button in the message to be taken directly to your personalised quotes page.
• Your current renewal plan will appear at the top of the page, clearly marked for easy selection.
• Compare other available plans listed just below—if you’re looking for more coverage, better hospitals or a more affordable premium.
• You may be asked to confirm or update simple details like your salary, number of dependents or recent health updates.
• Upload documents only if required, such as in case of changes or switching providers.
• Once everything is verified, your new policy will be issued within 24 hours (for standard cases).

If You’re Buying Health Insurance for the First Time from Policybazaar.ae

If you already have an expiring health insurance policy from a provider and want to renew it with Policybazaar.ae, the process is as follows –

• Scroll through the page or click on any banner that says “Buy Health Insurance” or “Get Quotes.”
• You’ll be taken to a simple form where you need to fill out basic information like:
  • Your Emirates ID
  • Your income
  • Your age and some health details (such as pre-existing conditions, if any)
  • Whether you have any existing insurance
• Based on your inputs, you’ll get personalised health insurance quotes from various providers in the UAE.
• You can compare them side-by-side—look at coverage details, premium amounts, hospital networks and more.
• Once you choose a plan, you can pay online and get your policy issued in 24 hours (in standard cases).

Whether you’re renewing or buying for the first time, Policybazaar.ae offers full support, both online and through their customer care team, if you need help during the process.

When to Renew Your Health Insurance in the UAE?

In the UAE, medical insurance is a legal requirement. If you're living and working here, it’s important to know when your medical insurance needs to be renewed to avoid fines or any break in your medical coverage.

1. 30 Days Before Expiry is Ideal: Most health insurance policies in the UAE are valid for one year. It’s best to start the renewal process at least 30 days before your current policy expires. This gives you enough time to review your current coverage, compare new plans if needed and avoid any last-minute issues.
2. No Grace Period in Some Emirates: In Dubai, there’s usually no official grace period for health insurance renewal. If your policy expires—even for a day—you may be fined AED 500 per month by the Dubai Health Authority. Other emirates may have different rules, so it’s always safer to renew your medical insurance early.
3. Get Notified Automatically (if using Policybazaar.ae): One of the benefits of using Policybazaar.ae is that they remind you before your policy ends, so you don’t have to track the date manually. You’ll receive alerts via email or SMS well in advance.

A Hack to Renew on Time - Health insurance is directly linked to your residence visa. So, if your visa is up for renewal, your insurance needs to be valid too. Make sure both are in sync to avoid any administrative delays.

Tips While Renewing Your Health Insurance in the UAE

Renewing your health insurance isn’t just about extending your current plan; it's a good time to pause and make sure the plan you have is still the right one for you. A lot can change in a year—your health, your family needs or even your budget. 

Given below are some tips to keep in mind when it’s time to renew your health insurance in the UAE — 

1. Review Your Current Coverage: Before you hit the renew button, take a few minutes to check what’s included in your existing policy. Are your regular hospitals or clinics still in the network? Do you have enough maternity, dental, or chronic illness cover? If not, it might be time to switch or upgrade.
2. Compare Before You Commit: Just because you had a good deal last year doesn’t mean it’s still the best one this year. Use platforms like Policybazaar.ae to compare policies across top providers. Prices, benefits and hospital networks can change from year to year.
3. Update Your Health Details: If your health situation has changed, like a new diagnosis, recent surgery or ongoing treatment—make sure your new policy reflects that. Some health insurance plans may offer better coverage for specific conditions or wellness support programs that can benefit you.
4. Consider Adding Dependents: Have you recently gotten married or had a baby? Don't forget to include your spouse or child in your health policy.
5. Check the Hospital & Clinic Network: Not all health plans cover the same hospitals and clinics. If you’ve changed where you live or want access to better medical facilities, check which hospitals are covered before renewing your health insurance in the UAE.
6. Ask About No-Claim Discounts: If you didn’t use your insurance much last year, ask the provider if you qualify for a no-claim discount. Some insurance providers, like Policybazaar.ae, offer lower premiums or bonus benefits if you stay healthy throughout the year.

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