What if you've made a mistake in your health insurance form? Or got married recently but your policy only covers you and not your spouse? Don't worry, you don't need to start over because that's what endorsements are for. They let you update or tweak your existing policy without the hassle of buying a new one. Let's take a look at everything there is to know about the endorsement process in health insurance.
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Simply put, an endorsement is a process that allows policyholders to make formal changes or update their existing health insurance policy. It could be as simple as correcting a spelling mistake or as significant as adding a new family member to your plan. Once this request is approved, the insurance company issues an endorsement certificate, which becomes a part of your policy document.
For example, Sakshi noticed her name was misspelt in her health policy. She submits a name correction request along with her ID proof. The insurer reviewed and approved it. Her corrected name now appears on all future policy documents and claims.
Here are some of the most common kinds of changes people make through endorsements:
Having the correct personal details like your name, address, date of birth, or nominee, is extremely important in policy documents because even the smallest mistake can cause big issues during a claim. Endorsements are a quick way to fix those details and avoid any unnecessary delays.
Life events such as marriage, childbirth, or a death or a dependant can greatly affect your insurance needs. Endorsements allow you to adjust your coverage according to your current needs.
As your lifestyle or income changes, your health insurance needs might grow too. With endorsements, you can upgrade your plan, add extra benefits, or increase your coverage without the hassle of getting a new policy.
A lot of claims get delayed or rejected just because something in the policy wasn’t updated. Keeping your policy updated through these endorsements can reduce the chances of disputes related to claims and ensure a better experience for you.
An endorsement is a legally recognized document. It ensures that any change you make is acknowledged by the insurance company, giving you greater peace of mind in case of emergencies.
Call your insurance provider's customer care or log in to your policy portal on the website or mobile app.
You need to submit the documents as proof of the changes you want to make, for example, marriage certificate, birth certificate, ID proof, etc.
The insurance company will then review or evaluate the request by underwriting, especially for any coverage-related changes.
Once your request is approved, you’ll receive a certificate or a copy of the updated policy.
An endorsement is a formal change or addition made to your existing policy. You can think of endorsements as a way of 'updating your insurance wardrobe' because it should always fit your life situation. Don’t ignore the small stuff and remember, whether you're getting married, moving cities, or correcting a mistake in your policy, endorsements help keep your health insurance up to date and relevant and save you a lot of trouble during claim time.
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Reviewed by Dr. Harshita Dahiya 
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
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