Switch Your Health Insurance With Continuity Benefits
Not satisfied with your existing health insurance policy? Health insurance portability allows eligible policyholders to switch to another insurer at renewal while retaining applicable continuity benefits.
Compare coverage, hospital networks, policy features, waiting periods and premiums before making your decision.
Check Portability OptionsWhat Is Health Insurance Portability?
Health insurance portability is the process of moving an existing health insurance policy from one insurer to another at renewal, subject to applicable rules and the new insurer’s acceptance.
Portability can allow eligible continuity benefits from the existing policy to be carried forward instead of treating the policyholder entirely as a new customer.
- Switch insurers at renewal
- Retain applicable continuity benefits
- Compare different policy features
- Explore higher coverage options
- Review hospital network and service
- Reassess your insurance requirements
Why Consider Porting Your Health Insurance?
Portability can be useful when your existing health insurance policy no longer matches your current requirements.
Better Coverage
You may want a policy with coverage features that better match your current healthcare requirements.
Higher Sum Insured
You can explore whether a higher sum insured is appropriate for your future medical needs.
Hospital Network
You can compare the network hospitals available under another insurer.
Service Experience
If your current service experience does not meet your expectations, you can explore alternatives.
Policy Features
You can compare restoration benefits, room limits, co-payment and other policy features.
Compare Premiums
Portability gives you an opportunity to compare the premium and coverage offered by another insurer.
What May Be Carried Forward?
Portability is primarily about applicable continuity benefits rather than transferring every feature of your old policy.
Waiting Period Credit
Eligible waiting-period credit may be carried forward according to applicable portability provisions.
Pre-Existing Disease Credit
Applicable continuity credit for pre-existing diseases may be carried forward subject to relevant rules.
Eligible Continuity Benefits
Other applicable continuity benefits may be transferred as permitted under the relevant portability provisions.
What Does Not Automatically Transfer?
The new insurer’s policy terms will apply after portability.
Policy Features
Features available under your old policy may not be identical in the new policy.
Exclusions
The exclusions of the new policy must be reviewed carefully before accepting the switch.
Sub-Limits
Treatment-specific or expense-specific limits can differ between policies.
Co-Payment
The new policy may have different co-payment requirements.
Room-Rent Limits
Room and ICU eligibility can differ from your existing policy.
Additional Coverage
Any additional coverage beyond the carried-forward benefit can be subject to the new insurer’s terms.
Health Insurance Portability Process
A simple overview of the steps involved in changing your health insurer.
Review Your Existing Policy
Check your sum insured, waiting periods, claims, benefits, exclusions and renewal date.
Compare New Policies
Compare coverage, premium, hospital network, limits and policy features.
Submit Portability Request
Submit your portability request to the insurer you want to move to.
Provide Policy Details
Provide information regarding your existing policy, insurance history and other required details.
Underwriting
The new insurer may evaluate your proposal and medical or policy information.
New Policy Issued
If accepted, the new insurer issues the policy subject to its applicable terms.
Portability vs Buying a New Policy
Understand the key difference before making a decision.
| Feature | Portability | New Policy |
|---|---|---|
| Existing Policy | Existing policy is moved to another insurer at renewal. | A completely new policy is purchased. |
| Continuity | Eligible continuity benefits may be retained. | New policy waiting periods may generally apply. |
| Waiting Period Credit | Applicable credit may carry forward. | Generally starts according to new policy terms. |
| Insurer | Changes to another insurer. | Selected insurer is new. |
| Underwriting | The new insurer may underwrite the proposal. | The insurer may underwrite the new proposal. |
| Coverage | Based on the new policy selected. | Based on the new policy selected. |
Important Things to Know Before Porting
Portability does not guarantee acceptance by the new insurer. The new insurer may evaluate the proposal according to its underwriting guidelines.
Before making a change, carefully review:
- Your current policy renewal date.
- Applicable portability timelines.
- Waiting-period continuity.
- Existing claims and medical disclosures.
- New policy exclusions and limitations.
- Co-payment and sub-limit provisions.
- Network hospitals.
- Premium and renewal terms.
Health Insurance Portability Calculator
Calculate the potential increase in your health insurance coverage when considering a higher sum insured.
Potential Coverage Increase
Check Your Health Insurance Portability Options
Share your existing policy details and requirements with us.
By submitting this form, you agree to be contacted regarding your health insurance portability enquiry.
Documents & Information to Keep Ready
The exact documents can vary depending on the insurer and your circumstances.
Existing Policy
Keep your current health insurance policy document and policy schedule available.
Renewal Details
Keep your policy renewal date and current policy details ready.
Claim History
Information regarding previous claims may be required during the portability process.
Medical Information
Relevant medical and health information may be required for underwriting.
Health Insurance Portability FAQs
Common questions about switching health insurers.
Thinking About Switching Your Health Insurance?
Review your existing policy, compare available options and understand the portability terms before making your decision.
Check My Portability Options