< Back



People resort to health insurance plans to cover unforeseen medical emergencies. Porting can be done from one policy to another, and you may have a number of reasons for it, including-

• Better health insurance coverage for comparable pricing,

• adding or removing family members from the policy, or

• if you want to avail a policy that has a cashless network of hospitals.

Before you switch to another alternative for better health insurance coverage, you should consider these ten things.

1. Product features

When porting, opt for a policy that provides similar or added benefits to your existing policy. Coverage for room rent, waiting periods, pre-existing diseases, medicines, outpatient charges, etc., are the product features to consider.

2. Policy type

Check the policy types available in the health insurance coverage. For example, if you want to add family members, opt for ones that have the option for the same.

3. Pricing

Sometimes people opt for switching their policy due to high premiums. You must remember that opting for a lower premium policy may not provide the same or even good enough benefits for you as the ones higher than that. Choose the policy that suits your needs; otherwise, you might end up paying more than what you need.

4. Sum insured

When selecting the sum insured, you should opt for the desired sum insured plus the previous cumulative bonus; otherwise, it will be ineffective.

5. Waiting period

Remember that when porting, the waiting period of the existing policy will be waived in the new one.

6. Medical history

If you require frequent visits to the hospital, your new insurer may label you as a "high-risk" individual. If your portability request is rejected, you should stay back with your previous insurer.

7. Unutilized cumulative bonus

Many people don't know that unutilized cumulative bonuses can be carried over to the new policy. People oblivious to this feature often don't do the necessary to carry over and rather opt for simply a new one.

8. Additional features

When opting for a new policy, look for additional features to make your policy more comprehensive and useful to you. However, only opt for those which you may actually need, as these incur additional costs as well.

9. Documents required for porting

If you are porting your health insurance, notify both parties to keep the renewal documents handy for presenting to the new insurer. You may also be required to submit the previous two years' policies, NCB, Sum-insured, claim details with the existing policies, members covered, policy type to be ported in, etc.

10. No break-in

When requesting porting, do not wait for the previous one to end or even don't wait till the grace period. Your porting request may not be accepted, and you will be left uninsured, and no one wants to have that kind of break-in.


Health insurance acts as a safeguard during unexpected medical emergencies. It reduces the burden on your pocket and relieves your financial stress during medical needs. If you wish to port your health insurance policy, make sure to check the above-mentioned points to enjoy greater benefits.

Disclaimer: The content provided is for education and informational purpose only, none of the information contained in our blog amounts to any form of opinion or advice. Please go through policy related documents carefully or consult an expert before making any insurance-related decisions.


Essentials for a Healthy Life


Tips to follow for healthy lifestyle

With ever changing lifestyle and busy schedules, we must adopt certain lifestyle habits to lead a healthy and balanced life.

Essentials for a Healthy Life


Must have add on covers for health insurance

Increasing need for financial planning and uncertainty of medical emergency, a health insurance plan becomes a must have for individuals.



How to avoid sickness during season change

Ways To Avoid Getting Sick When Season Changes



Healthy Resolutions For New Year

Various resolutions you can adopt for a healthy lifestyle.

Healthy Diet Plan for Winter


Healthy diet for winters

Know why a nourishing winter diet and medical insurance are essential for healthy living.



Exercising tips for a healthy heart

Exercising is the key to healthy heart. Here are some exercising tips you can follow.

Tips on How to Stop Smoking


Tips on How to Stop Smoking

Know why smoking is injurious to health and tips on how to stop smoking & buy insurance for cancer

Yoga day blog


Benefits of yoga

Did you know why International Yoga Day is celebrated on 21st June?

Monsoon Tips for Health


Monsoon Tips For Health

Simple tips that one can follow to ensure their well-being when the sky Gods rain havoc.

Managing Diabetes


Diabetes and its management

Importance of maintaining a healthy lifestyle and controlling the disease