porting health insurance policies, health insurance, portability
Pavithra Jaivant

The pros and cons of porting a health policy

As per IRDAI (Health Insurance) Regulations 2016, porting means ‘the right accorded to an individual health insurance policyholder (including family cover), to transfer the credit gained for pre-existing conditions and time bound exclusions, from one insurer to another or from one plan to another plan of the same insurer’. In short, should you decide to move from one health insurer to another, or from one plan to another with the same insurer, porting helps you retain some of the benefits you have earned on your old policy. 

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