Health Insurance Portability: Switch Your Policy with Ease
Switching your health insurance provider doesn’t have to mean losing your benefits. Health insurance portability allows policyholders to transfer their existing policy benefits to a new insurer, ensuring better coverage without starting over.
What Is Health Insurance Portability?
Health insurance portability enables you to transfer your current health insurance policy to a new provider without losing key benefits such as:
No-Claim Bonus (NCB)
Waiting period benefits for pre-existing conditions
Continuity of coverage
It empowers you to move to a policy that better suits your needs while retaining the benefits accrued from your existing policy.
Benefits of Health Insurance Portability
Retain Accrued Benefits: Transfer your waiting period credit and No-Claim Bonus.
Enhanced Coverage: Switch to a policy with better features or add-ons.
Better Premium Rates: Save money by comparing policies with better value.
No Fresh Medical Tests: Existing health declarations remain valid.
Eligibility for Portability
You can port your policy only at the time of renewal.
Ensure continuous coverage without a lapse in the premium payment.
The request must be submitted to the new insurer 45-60 days before the renewal date.
Steps to Port Your Health Insurance Policy
Compare Policies: Identify the policy that suits your needs.
Notify Your Current Insurer: Inform them of your intent to port.
Apply with New Insurer: Fill out the portability form and submit required documents.
Await Approval: The new insurer will evaluate your application and decide.
Documents Required for Portability
Existing policy document
Portability form
Renewal notice from the current insurer
Claim history
ID proof (Aadhaar, PAN, etc.)
Why Choose GetMediclaim.help for Portability?
Expert Guidance: We help you understand and compare policies.
Hassle-Free Process: Seamless coordination with insurers to ensure approval.
Maximized Benefits: Retain your accrued benefits during portability.
Trusted Support: Assistance at every step to avoid lapses in coverage.
Common Questions About Health Insurance Portability
Q1: Can I port group insurance policies to individual ones?
Yes, you can port group health insurance to an individual plan if you meet the insurer’s eligibility criteria.
Q2: Will my waiting period reset after portability?
No, the waiting period served under your old policy will carry over to the new policy.
Q3: Are there extra charges for portability?
No, insurers cannot charge additional fees for policy portability.
