How to Check if your Health Insurance is Active Online

Keeping track of your health insurance policy’s status is essential for ensuring you have the coverage you need when you need it. Whether you’re looking to confirm the validity of your plan or want to stay updated on your policy details. However, you can use several convenient methods to check your health insurance policy’s status online, then you will if it’s still active.

How to Check if your Health Insurance is Active Online

In this article, we’ll show you multiple methods to check if your health insurance is active online.

How to Check if Your Health Insurance is Active Online

Below is how to check if your insurance policy is active online:

Via Website

One of the most straightforward ways to check your health insurance policy’s status is by visiting your insurance provider’s official website. Once there, follow the steps below to check your health insurance policy via the website:

Step 1. Find Your Insurance Provider’s Online Platform

Start by locating the website or mobile app provided by your health insurance company. You can access this through a web browser or download the app onto your smartphone or tablet. If you’re unsure where to find it, check your insurance card or any emails or letters from your insurer for instructions.

Step 2. Create or sign in to Your Account

Once you’ve found the online platform, you’ll need to either create a new account or log in if you already have one. New users can usually register by providing basic personal information like:

  • Name,
  • Date of birth,
  • Policy number,
  • and Email Address

If you already have an account, simply enter your

  • Username or Email
  • and Password to log in.

Step 3. Go to Policy Information

After logging in, navigate to the section of the website or app that contains details about your insurance policy. This section might be labeled as “Policy Information” or “Coverage Details.” Some providers may also have a dashboard or homepage where you can see an overview of your policy.

Step 4. Check Your Coverage Status

Once you’re in the policy information section, look for a statement or indicator that tells you if your health insurance is active. This could say “Active” or “In Effect.” You might also see information about the dates your coverage is effective and who else is covered under your policy, like dependents.

 Alternative Methods

The best and most straightforward method of checking if your health insurance is active online is by visiting your provider’s official website. However, it is not the only way to check. Here are other several methods you can use. They include:

Via Email

If you prefer a more indirect approach, you can send an email to your insurance company requesting the policy document or an update on your policy status. Be sure to include essential information such as the

  • policyholder’s name,
  • policy number,
  • and registered phone number to ease the process.

Via Customer Care

Another convenient option is to contact the insurance provider’s customer care service.

  • Simply dial the toll-free number provided on the insurer’s website
  • provide your policy number or personal details to the customer care executive.

They will verify your information and provide you with the necessary updates on your policy status.


For those who prefer quick and hassle-free communication, many insurance providers offer the option to check policy status via SMS.

  • Simply type your policy number followed by the relevant keyword (e.g., POLSTATUS<>, followed by your Policy Number) and send it to the designated number.

You will receive updates on your policy status via SMS once the request is processed.

Visit Nearest Branch

If you prefer a more personal approach, you can visit the nearest branch of your insurance company. There, you can speak directly with a representative who can assist you in checking the status of your health insurance policy and address any concerns you may have.

Staying informed about your health insurance policy’s status is important for ensuring you have the coverage you need. By utilizing these convenient methods, you can easily check your policy’s validity, coverage details, and current status, providing you with peace of mind regarding your healthcare coverage.

Importance of checking the validity of your health insurance policy

Many things can go wrong if your health insurance policy is not active and up to date. Here’s why it’s important to verify if your policy is active:

Risk of losing your policy coverage

First and foremost, if you do not renew your policy on time, you will no longer be covered. If you are not covered during this time and are involved in an accident or require hospitalization for a medical condition, you are responsible for all medical expenses.

Every policy includes a waiting period for some conditions. If your insurance expires and you must renew or purchase a new one, you must repeat the waiting period. For example, if you’ve previously finished one year and ten months of a 2 years waiting period, it will be counted in case of policy lapse.

You can only claim if your insurance is active and valid

If you renew the policy after it has expired, you risk losing the collected No Claim Bonus (for not making any claims during the policy year).
As a result, renewing your health insurance before it expires is essential for maintaining uninterrupted coverage.

What to do if your policy has expired

If your health insurance policy has expired, here is what you should do:

Use your grace period

If your policy expires and you have missed the grace period, you must contact your insurance provider to revive it. If the insurer discovers a genuine explanation for the lapse, they may entertain or reject your request.

The insurer will decide based on your capacity to pay premiums, health problems, payment history, and other factors. Some insurers allow you to revive your insurance policy within six months of its expiry date. but you have to pay a penalty for it.

Get a new insurance plan

The second alternative is to get a new health insurance plan. If renewing the expired insurance is more expensive due to the premium and penalty than purchasing a new plan, it is best to go with a new one.

Frequently asked questions

What information must I submit to access my account online?

When setting up an account or checking in, you may be required to enter personal information such as

  • Your name,
  • Date of birth,
  • Policy number,
  • and Email address.

This helps to authenticate your identification and connect your policy to your online account.

What should I do if I cannot find my health insurance information online?

If you are having difficulty obtaining your health insurance information online, please contact your insurance provider’s customer service for assistance. They can help you navigate the procedure and resolve any issues with your online account.

Is there a fee to obtain my health insurance information online?

Generally, there is no price for viewing your health insurance information online through your insurance provider’s website or mobile app. However, it is always a good idea to review your insurance provider’s terms and conditions for any applicable fees or charges.


A health insurance policy is designed to provide much-needed financial security when you need it the most.

To ensure that you are always insured, keep track of the validity of your health insurance policy. A timely renewal might protect you from unexpected financial troubles.

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