Can Health Insurance Be Ported? Everything You Need to Know About Portability

Health insurance portability allows you to switch your health insurance provider without losing benefits such as waiting period continuity or No Claim Bonus. This flexibility empowers you to choose a policy that better suits your needs while retaining the advantages you’ve already accrued. 

At My Insurance Dost, we simplify the portability process, guiding you through every step and ensuring a seamless transition to your new insurer.

insurance portablity

Key Points to Know About Health Insurance Portability

  1. Portability is Allowed Only During Renewal
    You can switch insurers only when your policy is due for renewal. Mid-term portability is not permitted. Generally, you need to apply 45-60 days before the renewal date, but rules may vary by insurer. At My Insurance Dost, we help you understand these timelines and coordinate with the insurer to ensure a hassle-free experience.

  2. Continuity of Waiting Periods
    Porting your policy ensures that waiting periods served under your old policy are carried forward for the same sum insured. For example, if you had a policy with ₹5 lakhs coverage and switch to a ₹10 lakh policy, waiting period continuity applies to the ₹5 lakhs, while fresh waiting periods will be applicable to the additional coverage. My Insurance Dost ensures that your benefits are accurately transferred.

  3. Fresh Medical Underwriting
    The new insurer will assess your medical history through fresh underwriting. This involves reevaluating your health conditions and lifestyle habits. With My Insurance Dost, you get professional assistance in completing all documentation and ensuring transparency with the new insurer.

  4. Mandatory Medical History Disclosure
    When porting your policy, disclosing your complete medical history is crucial. Any failure to report past or existing conditions can lead to claim denials later. My Insurance Dost ensures that all necessary information is shared correctly to avoid future complications.

  5. Understand the Insurer’s Guidelines
    Different insurers have different rules for processing portability requests. For instance, some allow applications closer to the renewal date with special approvals. At My Insurance Dost, we help you navigate these specific requirements, ensuring you meet all deadlines.

  6. Benefits of Portability

    • Retention of Benefits: Waiting periods and No Claim Bonus from your previous policy are carried forward.
    • Upgraded Features: Portability allows you to choose better plans with wider coverage and more benefits without starting from scratch.
    • My Insurance Dost helps you compare multiple policies and insurers to find the best option tailored to your health needs.

  7. Timely Application is Essential
    Missing portability deadlines can result in the rejection of your request. Start early, and let My Insurance Dost manage the process for you, ensuring all applications and approvals are completed on time.

  8. Why Choose My Insurance Dost for Portability?
    With over 20 years of experience and partnerships with India’s top insurers, My Insurance Dost offers:

    • Expert guidance in comparing policies.
    • Assistance with documentation and insurer communication.
    • A smooth, stress-free portability process.

Why Should You Opt for Portability?

Health insurance portability is your opportunity to upgrade your coverage without losing the benefits you’ve accumulated over time. It’s a chance to ensure your policy aligns with your evolving needs while maintaining financial security.

At My Insurance Dost, we are committed to making the portability process simple and hassle-free. With our expert guidance, you can easily switch to the best policy for your needs.

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