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Instant Policy Renewal Portal

Policy Renewal & Revival Desk

Keep your family protected without coverage gaps. Renew your Health policy online instantly or access our custom Life Insurance Revival & Tax Certificate desk.

Select Your Coverage Type

Choose Your Renewal Category

Select between instant Health Insurance portal renewal or our interactive Life Insurance revival & concierge desk.

Star Health Direct Portal Renewal

Star Health Policyholder? Renew Online Instantly

Renew your Star Health Insurance policy directly through the official customer portal with zero processing fees. Keep your NCB bonus intact and get instant policy issuance.

✓ Instant Policy PDF
✓ NCB Rollover
✓ Zero Lapsed Grace
Renew Star Health Policy NowRedirects to official Star Health portal

Pre-Renewal Audit Checklist

  • ✓
    No-Claim Bonus (NCB) Discount Verification:Ensure your earned 10%–50% NCB bonus discount is applied accurately before paying renewal premiums.
  • ✓
    Pre-Existing Waiting Period Carryover:Confirm that completed waiting period months carry forward seamlessly without resetting.
  • ✓
    2026 Cashless Hospital Network Verification:Check if your preferred Pune & PCMC hospitals remain on your insurer's 2026 cashless list.

Want to Port or Upgrade Your Health Policy?

Unsatisfied with room rent capping or high copay clauses? IRDAI allows you to port your policy to a better insurer at annual renewal without losing your accumulated pre-existing waiting period credits.

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Advisor Concierge

Request Health Renewal Support

Need Mr. Sudhakar Kumbhar to audit your renewal notice or assist with porting?

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Got Questions?

Policy Renewal FAQs

Clear answers to grace periods, lapsed policy revivals, and porting rules.

Most health insurance policies offer a 30-day grace period post expiration. During the grace period, you can renew your policy without losing accrued benefits like No-Claim Bonus (NCB) or waiting period credits. However, medical claims incurred during the lapsed grace period window will NOT be covered until the premium is paid.
Yes! If you hold a Star Health Insurance policy, you can renew it directly on the official Star Health Customer Portal using your policy number and date of birth: https://customer.starhealth.in/customerportal/instant-renewal/ . Alternatively, Family Shield Insurance can assist you with NCB audit and clause verification before you renew.
Life insurance policies typically provide a 30-day grace period for annual, semi-annual, or quarterly premium modes, and 15 days for monthly mode. If a claim arises during the grace period, the insurer pays the death benefit after deducting the due premium. If unpaid past 30 days, the policy lapses and requires policy revival.
Yes! Under IRDAI guidelines, you can port your health insurance to a new insurer at annual renewal without losing waiting period credits for pre-existing diseases. Porting applications must be submitted at least 45 to 60 days before your policy expiry date.
After your life or health insurance renewal premium is paid, an official Tax Certificate (Section 80C for Life, Section 80D for Health) is generated instantly. If you need assistance retrieving past tax certificates, our desk can email them to you directly within 2 hours.
Health insurance premiums may adjust based on age brackets (e.g. crossing age 35, 45, 55, or 60) or IRDAI-approved portfolio rate revisions. Term life insurance premiums remain 100% fixed for the entire policy term.

Facing Trouble Renewing Your Policy?

Speak directly with Pune's lead insurance advisor Mr. Sudhakar S. Kumbhar for free guidance on NCB protection and policy revival.

Call Advisor (+91 9225632920)Chat on WhatsApp