What is health insurance portability?

Health insurance portability allows you to switch your existing health insurance policy to a new insurer or a different plan with the same insurer. You don’t lose benefits like waiting periods for pre-existing conditions or your no claim bonus.

When can I port my health insurance policy?

You can only port your health insurance policy at the time of renewal of your current policy.

Will I lose the waiting period I’ve already served for pre-existing conditions if I port my policy?

No, one of the benefits of portability is that the waiting period served under your previous policy for pre-existing diseases should carry over to your new policy. It’s crucial to verify this with the new insurer.

Can I port my health insurance policy if it has lapsed?

No, your existing health insurance policy must be active and without breaks in coverage to be eligible for porting.

Are there any charges for porting my health insurance policy?

Typically, insurance companies cannot charge a fee for porting your health insurance policy. However, the premium for your new policy may be different.

Do I need to inform my current insurance company about my intention to port?

Yes, you must inform your current insurance company in writing about your intention to port your policy well before your renewal date (usually 45-60 days).

Can the new insurance company reject my porting request?

Yes, the new insurance company can reject your porting request based on their underwriting guidelines, which may include factors like your health condition or age.

Written by Simran saxena

Published: 10 Jun 2025

Updated: 22 Jun 2026

4 min read

Expert Verified

IRDAI Licensed

Things to Check Before Porting Health Insurance

Health insurance portability lets you switch your current health insurance plan. You can move to a new plan with the same insurer without losing any benefits. It’s like taking your mobile number to a new provider. You keep your number, but you may find better service and benefits with another network provider.

Key aspects of health insurance portability:

Applicable at renewal:
You can only port your policy when it’s due for renewal.
Continuity is key:
Your current policy must be active with no gaps in coverage to port.
Similar policy types:
You can generally port between similar policies (e.g., individual to individual, family floater to family floater).
IRDAI guidelines:
The Insurance Regulatory and Development Authority of India (IRDAI) sets rules to protect policyholders during the porting process.
No porting charges:
Insurers usually cannot charge a fee for porting. However, the new policy premium may vary.

Portability gives policyholders the freedom to choose a plan that fits their needs better. This includes better coverage, a larger network of hospitals, or improved customer service, all while keeping their earned benefits, including pre-served waiting periods.

Top 10 Things to Keep in Mind Before Porting Your Health Insurance Policy

Understand Your Current Policy Inside and Out:
Don’t rush the process. Know what your existing policy covers, its exclusions, waiting periods, sub-limits, and special features. What do you want to improve by porting? Knowing this helps you assess new options.
Compare Coverage Benefits Meticulously:
The new policy may seem cheaper, but does it provide the coverage you need? Check inclusions, exclusions, room rent limits, daycare procedures, and domiciliary treatment coverage. A lower premium isn’t worth it if key aspects are missing.
Check the Waiting Period for Pre-Existing Diseases (PEDs):
When you port, the waiting period for PEDs should transfer. However, confirm this in the new policy document to ensure it matches your previous policy. Don’t assume it will carry over automatically.
Evaluate the Network Hospital List:
A broad and accessible network of hospitals is vital for cashless treatment. Ensure the new insurer has a strong network in your city and other places you visit. Look at the proximity and reputation of these hospitals.
Scrutinise the Claim Settlement Ratio and Customer Service:
A high claim settlement ratio shows the insurer’s efficiency in handling claims. Research the new insurer’s claim settlement ratio and read online reviews about their customer service. Good support is crucial during emergencies.
Compare the Premium and Any Additional Charges:
While porting doesn’t have a fee, the premium for the new policy may differ. Understand the premium structure and any extra charges. Don’t just focus on the lowest premium; consider the overall value.
Confirm the Transfer of No Claim Bonus (NCB):
Your NCB should be transferable. Check with the new insurer how your NCB will apply to the new policy and if it results in a lower premium.
Adhere to the Porting Timeline and Process:
Remember, you can only port at renewal. Start the process early (45-60 days before expiry), inform your current insurer in writing, and fill out the portability form carefully. Submit all required documents to the new insurer on time.
Be Aware of Potential Medical Examinations:
The new insurer may ask for a medical exam, especially if you’re older or have pre-existing conditions. Be ready for this and understand how results could affect your application.
Don’t Let Your Existing Policy Lapse:
Ensure your current policy stays active until the new one is issued. A lapsed policy cannot be ported, and you’ll lose all accumulated benefits.

Conclusion

Porting your health insurance can be a smart move to access better coverage, a wider network, or improved services without sacrificing the benefits you’ve already earned. However, it demands careful evaluation and due diligence. By thoroughly considering these key aspects and comparing your options, you can ensure a smooth transition to a new policy that truly meets your evolving healthcare needs.

Ready to explore better health insurance options? Compare plans and initiate your porting process today to secure the coverage you deserve without losing your hard-earned benefits. Follow Policyx.com to know more about health insurance.