Health Insurance
How to Port Your Health Insurance Without Losing Benefits
Not happy with your current health insurer? IRDAI's portability rules allow you to switch — and take your benefits with you. Here's how to do it right.
What Benefits Can You Port?
- Accrued No-Claim Bonus (NCB)
- Waiting period credits for pre-existing diseases
- Waiting period credits for specific illnesses
Step-by-Step Porting Process
- Contact Policy Aid at least 45 days before your renewal date
- We compare your current plan with better alternatives across 22+ insurers
- Submit porting request to the new insurer with your existing policy details
- New insurer verifies your history and offers a quote within 15 days
- Accept the offer and pay the new premium — portability is complete!
⚠️ You cannot port if your current policy has lapsed. The new insurer can also reject your application if you have more than 2 major claims in the past 3 years. Always initiate porting at least 45 days before renewal.
Common Mistakes to Avoid
- Waiting too close to renewal date (less than 45 days)
- Not disclosing existing medical conditions honestly
- Choosing a new plan only on premium — check claim settlement ratio first
- Letting the old policy lapse before new one is confirmed
When porting, also review the new plan's health insurance exclusion clauses carefully — some exclusions carry over while others reset. Consider porting as an opportunity to reduce your premium using strategies from our guide on how to reduce your health insurance premium in India. See our article on the common mistakes when buying health insurance to ensure you don't repeat old errors with the new insurer.
Policy Aid specialises in health insurance porting. We handle the entire process for free.
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