No, you can make a claim so long as your policy is active with no outstanding monthly premium due, subject to policy conditions being met.
For example, your coverage period is 1/1/2024 – 31/12/2024, and you need to make a claim on 15/3/2024, you can file the claim although you have only paid premium for 3 months, since the premium for your coverage is on a monthly basis. Unless the claim results in the cancellation of your coverage, you need to continue paying the monthly premium in order to maintain coverage.