Seamless Health Insurance Portability: A Step-by-Step Guide to Enhance Your Coverage 

In the dynamic landscape of health insurance, making the right investment choice is crucial. If you find yourself dissatisfied with your current health insurance policy, porting it to a better option has become remarkably easy. Much like transferring a SIM card, health insurance portability allows you to switch policies without hassle. In this guide, we’ll walk you through the step-by-step process of porting your health insurance, ensuring a smooth transition and improved coverage.

How to Port Your Health Insurance:

1. Early Application: Apply for porting to your desired insurance company at least 45 days before your policy renewal date.
2. Receive Proposal and Portability Form: Once you initiate the process, the new insurance company will send you a proposal along with the portability form.
3. Form Submission: Fill out the portability form, providing all necessary information such as the policyholder’s name, phone number, email, etc.
4. Contacting the Existing Insurer: After form submission, the new insurance company will contact your current health policy provider.
5. Information Exchange: The new insurer can access details about your policy, including claim history and medical records, through the IRDAI website.
6. Document Submission: Submit necessary documents, including health insurance renewal notice, No Claim Bonus Certificate, discharge summary for any past claims, follow-up reports, and medical history.
7. Verification Process: If the new company lacks essential information, the health insurance portability might be put on hold.
8. Approval/Rejection Notification: Upon receiving the required documents, the new insurance company will inform you of the acceptance or rejection of your portability request within 15 days.

What Porting Entails:

• Transfer of Waiting Period:
  • The 30-day waiting period after policy purchase is transferred.
  • There is a waiting period port for chronic diseases.
  • Waiting periods for specific diseases are also transferred.
• No Claim Bonus (NCB) Portability:
  • The NCB from the old policy is seamlessly ported.

By understanding and following these steps, you can ensure a hassle-free transition to a health insurance policy that better suits your needs, providing enhanced coverage and peace of mind.