Health plans for you & your family, starting just at ₹20,000/yr

Zero Waiting Period
5k+ Network Hospitals
100% Bills Covered

Health Insurance Portability

As medical costs continue to climb, health insurance has become more of a necessity than a choice, with millions of Indians now opting for health insurance. This is also supported by the IRDAI’s Annual Report 2023-24, which states insurance companies collected more than ₹1 lakh crore as health insurance premiums, registering a growth of about 20.32% over the previous year.

But as people become more informed and selective, many policyholders realise that their current health insurance policy no longer fits their needs. Maybe the coverage feels limited, the premiums are too high, or the service is not up to their expectations. That is where health insurance portability comes in. This facility allows you to switch to a new insurer without losing the benefits you have already built up. It gives you the freedom to move to a policy that better suits your budget and expectations without starting over.

Whether your current policy does not match your evolving needs or you are dissatisfied with customer service, health insurance portability ensures that your health insurance journey remains uninterrupted and truly aligned with your life.

What is Health Insurance Portability?

Health insurance portability is a feature that allows you to switch from your existing health insurance policy to another insurer without losing the existing health insurance policy benefits you have accumulated, such as No Claim Bonus (NCB) and waiting period credits.

Previously, porting health insurance would result in losing out on the benefits accumulated, serving fresh waiting periods and forfeiting your No Claim Bonus. This discouraged many from moving to better plans, even when their current coverage no longer met their needs.

But with health insurance portability, introduced by the IRDAI, you can now carry forward your hard-earned policy perks even when switching to a different insurer. In short, it empowers you to make better insurance choices without any loss.

Why 5 Crore+ Policyholders Choose Us?

Whether you’re a homemaker, freelancer, business owner or retiree, IndusInd Health Insurance (formerly Reliance Health Insurance) caters to every need with tailored plans. With our seamless claims process and customer-centric approach, you receive the care you deserve.

99.57% Claim Settlement*

Quick claims handling

24x7 Customer Support*

Dedicated 24/7 support team

10,000+Network Hospitals*

Easy access nationwide

AYUSH &Modern Surgery Treatments*

Get 100% SI coverage for both*

How to Port Your Health Insurance to IndusInd General Insurance?

Inform your existing insurer at least 45-60 days before your policy renewal date and request a transfer.

Contact us via our helpline or email to express your interest in purchasing health insurance and initiate the porting process.

Review the plan options, select a suitable health insurance policy and submit the health insurance portability form.

After you have submitted the necessary forms, we will contact your previous insurer to get details of your medical records, claim history and other relevant information.

We may also ask you to undergo a pre-policy checkup within 7 days of intimation.

We will decide whether to port your policy based on our underwriting process. An underwriter will analyse your medical records, health insurance claims and risk profile.

We will present a revised insurance offer once we approve your porting request. Accept the offer within 7 days from the receipt of the intimation.

Documents Required for Porting Your Health Insurance Policy

General Documents

Portability Form

A duly filled portability form and annexure.

Policy Schedules

A copy of all existing policy documents with the latest renewal notice.

Identity Proof

Passport, Aadhaar card, PAN Card, etc.

Residence Proof

Electricity bill, bank a/c statement, ration card, etc.

Additional Documents

Claim-Related Documents

If there is a claim in the existing policy, then copies of the discharge summary and investigation and follow-up report are needed.

Medical History

If there is a past medical history, then consultation papers, prescriptions and treatment and report copies are required.

Disclaimer - The list of documents provided above is for general informational purposes only. Contact us via our helpline for personalised assistance.

Benefits of Porting Health Insurance

Creating assets takes years of hard work, but one theft can leave you crippled financially. The Reliance Burglary and Housebreaking Insurance Policy keeps your property safe and gives you the peace of mind that you deserve.

Improved Coverage

Health insurance portability lets you upgrade your plan to one with better perks, such as enhanced financial protection, access to a wider network of hospitals or coverage for specific illnesses. This allows you to shift to a policy that keeps up with your current healthcare needs.

Continuity Benefits

Porting your health insurance allows you to carry forward the accumulated benefits, such as waiting period credits for pre-existing diseases and accrued NCB (a reward for claim-free years). This ensures that your transition to a new policy feels like a step forward, not a fresh start.

Better Customer Service

If you are dissatisfied with your current insurer’s service, portability gives you the option to switch to a provider with better customer service. It empowers you to choose an insurer that has a reputation for timely claim settlements and transparent practices, leading to a more positive experience.

Policy Customisation

Tired of one-size-fits-all coverage? Porting your health insurance gives you the chance to choose a policy that better suits your evolving requirements. Whether you want a higher sum insured, shorter waiting periods or specific disease coverage, switching insurers allows you to personalise your plan for more relevant and effective protection.

Reasons to Port to IndusInd Health Insurance Plans

Health Insurance that Fits Your Budget

Our health insurance plans start at an affordable premium of just ₹243 per month*.

Easy and Seamless Portability Process

Port from any insurance provider to IndusInd Health Insurance with minimal paperwork and maximum convenience.

Extensive Sum Assured

You can choose a sum assured starting from ₹3 lakhs and going up to ₹5 crores*.

99.57% Claim Settlement

With a high claim settlement ratio of 99.57%*, we ensure your claims are processed quickly and reliably, giving you support when you need it most.

Cashless Claims

We offer Cashless Everywhere, which allows you to benefit from cashless hospitalisation at all hospitals in India.

Wide Network

We have an extensive network of 10,000+ network hospitals*, enabling you to get quick cashless treatment, wherever you are, whenever you need it.

Comprehensive Plans and Add-Ons

We offer plans for individuals, families, senior citizens and groups, as well as an exhaustive list of add-ons for all-around protection.

Easy Purchase and Renewal

You can apply, buy/renew and download your policy in just a few clicks and taps, all within a few minutes.

5 crore+ policyholders*

We service a wide customer base of 5 crore+ happy customers with reliable and comprehensive products.

24/7 Assistance*

Our dedicated support team is available round the clock to assist you, ensuring help is just a call or click away, anytime and anywhere.

When Should You Opt for Health Insurance Portability?

Choosing to port your health insurance policy can be a turning point. Here are scenarios where porting your plan may be the right step -

If your current insurer is slow to respond, lacks transparency or has a complicated claims process, it is time to look for better service elsewhere.

Need more protection or want coverage for specific illnesses? Porting lets you upgrade to a plan that fits your changing healthcare demands.

If your premium keeps rising without added benefits, switching to a better value plan can save you money.

If you find a plan that offers better features, wider coverage or better claim benefits at a similar or lower price, porting your health insurance can save you money while unlocking more value for your premium.

If your claims are often delayed or rejected, port to a provider with a higher claim settlement ratio, preferably above 95%.

Some plans do not offer add-ons or customisation. If you have such a plan, porting can help you pick a policy with the features you actually want.

Major life events like marriage, having children, or caring for ageing parents may require broader or different coverage. Porting your existing policy can help you keep pace with your new responsibilities.

Need Help?

Schedule a callback

Schedule a Call

Rules for Porting Health Insurance

Understanding the rules for porting health insurance is crucial for a smooth switch between insurers. Here are the key conditions you need to know for a successful health insurance policy transfer -

Time Frame

You can only port your policy at the time of its renewal and the new insurer will provide coverage for the next policy term.

Policy Terms

Except for the waiting period credit, all other terms of the new policy, including the premium, are decided solely by the new insurance company.

Intimation

You must write to your current insurance company at least 45 days before your renewal date to request a policy transfer. The details of the new insurer must be mentioned in the portability request shared with the current insurer.

Renewal

You are required to ensure the continuous renewal of your policy. Note that a 30-day grace period is provided if the porting process is underway.

Health Insurance Portability: Rights of Every Policyholder as per IRDAI

You can port an individual health insurance policy as well as a family floater policy.

You can port your policy from and to:

Any general insurance company
Any specialised health insurance company

The new insurer is obligated to reduce your waiting period for pre-existing conditions by the number of months/years you have already served under your old policy.

The new insurer is obligated to offer a sum insured that is at least equivalent to the amount covered under your previous policy.

Things to Consider before Porting Health Insurance

While it is great that your employer provides health insurance, it may not be sufficient. Employee health insurance may have limitations such as lower sum insured or coverage that may not be adequate for your needs. Also, an employer health insurance covers you only during your job tenure.

Coverage

Check whether the new insurer offers the same or enhanced benefits to ensure there is no compromise on protection when switching policies.

Claim Settlement Ratio (CSR)

A higher CSR indicates that the insurance company is reliable in settling claims. Choose an insurer with a high claim settlement ratio to ensure seamless claim settlements.

Timelines

Although you need to initiate the process 45-60 days before the actual renewal date, start the process well in advance to get ample time to research and find the best health insurance policy catering to your specific requirements.

Underwriting

The new insurer may assess your health status afresh through medical tests and disclosures before approving porting. Any existing conditions could influence their decision so ensure all details are shared honestly to avoid denial later.

Waiting Period

Before switching to a new insurer, check the waiting periods applicable to avoid major gaps in the coverage benefits.

Terms and Conditions

Every insurer has unique terms, coverage limits, clauses and exclusions. Review these carefully to avoid surprises later, especially if you are switching in search of more comprehensive coverage.

Key Takeaways

Health insurance is not a one-size-fits-all solution. Over time, priorities shift and your policy should be able to adapt too. Health insurance portability makes this possible by allowing you to switch insurers without losing hard-earned benefits like waiting period credits or cumulative bonuses.

With 57 crore people covered under 2.68 crore policies in 2023–24, as reported by the IRDAI Annual Report 2023-24, the demand for flexible, user-first insurance is higher than ever. Portability ensures that your insurance keeps pace with your life, not the other way around.

At IndusInd General Insurance, we offer a wide range of health insurance policies designed to meet diverse needs. Whether you are looking to port your existing policy or start fresh with a new one, we are here to help you find a policy that not only protects you today but also adapts with your needs for tomorrow.

Our plans come with several standout benefits, including affordable premiums starting at just ₹243 per month*, coverage of up to ₹5 crores* and access to over 10,000 network hospitals*. Plus, with our easy-to-use IndusInd Self-i app, you can buy a policy in minutes and submit your claims instantly, all with just a few taps, anytime and anywhere.

So, why settle for less? Explore our health insurance plans today and make the move to health insurance that fits better, protects better and works better.

Reliance general Insurance

Begin your career with us!

We want to score perfectly for world standard services & products, and want to be your first choice in domestic as well as global markets.

Learn more

Relevant Links for Health Insurance

Reliance Health Gain Policy

Health Insurance Plans For Family

Health Insurance For Senior Citizens

Health Insurance Premium Calculator

Health Insurance For Parents

Critical Illness Insurance

Maternity Insurance

Personal Accident Insurance

Cashless Health Insurance

Arogya Sanjeevani Policy

Super Top Up Health Insurance

Group Mediclaim Policy

International Health Insurance

Health Insurance For Kids

Individual Health Plans

Insurance For Disabled

Reliance Health Infinity Insurance

Saral Suraksha Bima

Hospi Care Insurance

Health Insurance for Top Locations

Health Insurance In Hyderabad

Health Insurance In Chennai

Health Insurance In Mumbai

Health Insurance Pune

Health Insurance Kolkata

Health Insurance In Jaipur

Rajasthan Health Insurance

Health Insurance Noida

Health Insurance Chandigarh

Health Insurance West Bengal

Reliance General Insurance

Aapke Protection ka All-rounder

Reliance General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

View All

Frequently Asked Questions

What is the difference between migration and portability in health insurance?

Health insurance portability allows you to switch from one insurer to another while retaining accumulated policy benefits, such as waiting period credits and no claim bonus. Migration, on the other hand, enables you to move to a different policy within the same insurance company.

Can I convert individual health insurance to a family floater?

Yes, as per IRDAI, you can convert your individual health insurance policy to a family floater at the time of renewal.

Can we port group health insurance?

Group health insurance policies cannot be ported. However, you can migrate to an individual or family floater policy with the same insurer when leaving the group coverage, subject to the terms and conditions of the policy and the insurer’s approval.

Is an extra premium charged during the health insurance porting process?

No, extra premiums or additional charges are not applicable during the health policy portability process. You are only required to pay the premium for the new insurance policy.

How many times can I port my health insurance policy?

You can port your health insurance plan as many times as you feel necessary. However, it is applicable only at the time of policy renewal.

Can health insurance portability requests be rejected?

Yes, health insurance portability requests can be rejected by the new insurer after evaluation. While portability is a right, approval is not guaranteed and depends on the insurer’s assessment.

What are the common reasons for rejection of health insurance portability requests?

Portability requests may be rejected due to delays in document submission, incomplete or false information, outstanding premium payments or break-ins in policy renewal. Other reasons include underwriting risk, poor claim history and lapsed policies.

What can I do if my health insurance portability request gets rejected?

You can ask the insurer for the reason behind the rejection. Once you understand the reason, you can take corrective steps to resolve the issue and apply again.

For any further assistance regarding this matter, you can contact our customer support team.

What are the disadvantages of porting health insurance?

While health insurance portability offers flexibility, it comes with certain drawbacks. The new insurer may have different terms, such as longer waiting periods, higher premiums or reduced coverage.

Additionally, the process is only allowed at renewal and must meet strict timelines. It can also be complex and time-consuming.

Senior citizens may face a higher chance of rejection due to health risks. Also, you might lose loyalty benefits from your previous insurer, such as premium discounts, and the new policy may not offer equivalent add-ons or perks.

To avoid facing any of these cons, always make sure to check these factors before you start the porting process.

Disclaimer: