Planning to switch your health insurance? Learn everything about health insurance portability in India, benefits, common mistakes, and expert advice.
Health Insurance Portability is becoming increasingly popular in India, yet many policyholders hesitate due to lack of clarity. Let’s simplify everything you need to know.
What Is Health Insurance Portability?
Portability allows you to switch from one health insurer to another while retaining:
Waiting period benefits
Pre-existing disease coverage credit
Policy continuity
When Should You Consider Porting?
✔ Premium increased significantly
✔ Poor claim experience
✔ Limited coverage or sub-limits
✔ No modern benefits like consumables or restoration
Common Myths About Portability
❌ “Waiting periods start again”
➡ False. Completed waiting periods are carried forward.
❌ “Porting leads to claim rejection”
➡ False, if done correctly and transparently.
❌ “It’s a long and complicated process”
➡ With expert assistance, it’s smooth and simple.
Common Mistakes to Avoid
⚠ Applying too late (must apply 45 days before renewal)
⚠ Hiding medical history
⚠ Choosing a cheaper plan instead of a better one
Final Thought
Portability is not just about saving money — it’s about upgrading your health protection.
👉 Thinking of porting? Speak to our experts for a free portability check.