Health Insurance Portability

Name: Health Insurance Portability
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

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 Choose Us?

Why 8 Crore+ Policyholders Trust 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.

Health Insurance Pillar

Up to 40% Off on Premiums

More coverage & more savings!

24x7 Customer Support

Get quick support anywhere!

Over 10,000 Network Hospitals

Quick cashless claims pan-India!

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

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.

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

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 ₹382 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 lakh and going up to ₹5 crore.

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.

8 crore+ policyholders

We service a wide customer base of 8 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.

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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 ₹382 per month*, coverage of up to ₹5 crore and access to over 10,000 network hospitals. Plus, with our easy-to-use IndusInd Insurance 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.

Health insurance starting at just ₹382 per month*!

From Hospital to Home, We’ve Got You Covered!

Access quality medical care without worrying about medical costs. With IndusInd General Insurance, you're covered from health checkups to surgeries!

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4.8 ★ ★ ★ ★ ★ (508)

Ritik

Noida

Value for money

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick.

Srivathsav Parthasarathi

West Midnapore

4.5

Seamless digital experience

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

Sateesh Kumarkuchipudi

West Godavari

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Vanga Naveen

West Godavari

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.

Sirraatchuta Ram Babua

West Godavari

Quick policy issuance

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Manoj Kumarmogha

New Delhi

Quick policy issuance

Buying a health policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

Vasantha

Wayanad

Value for money

I recently purchased my health insurance and found the experience to be smooth. I will provide dertailed feedback post my claim settlement process has been completed.

Jasmin K

Wayanad

Seamless digital experience

From start to finish, the process of getting my health insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Nazeer Salma Abdulla

Wayanad

Quick policy issuance

I had a positive overall experience while applying for Health insurance. The coverage provided matches my expectations and feels comprehensive.

Sripal Reddymadhi Reddy

Warangal

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance Insurance Company (now IndusInd Insurance Company) . The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Veeraiah Kamatam

Wanaparthy

Quick policy issuance

Buying a Health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.

Sivaganesh Madamsetti

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

Sudha Ranimadabattula

Visakhapatnam

Quick policy issuance

I recently purchased my health insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Yerususatya Prasad

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. The process felt reliable and I would recommend it to others.

Karu Rama Rao

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Ravi Teja Anem

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance (now IndusInd) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Bhimabattula Aruna Devi

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Kantimahanti Balakrishna

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.

Prasad Rao Rayavarapu

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Ramachandran

Villupuram

Quick policy issuance

The journey of purchasing Health insurance from Reliance (now IndusInd) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Sanjit Kumar Tiwari

Vaishali

Seamless digital experience

The journey of purchasing health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive.

Vishanth K

Uttara Kannada

Quick policy issuance

From the start to the conclusion, the Reliance (now IndusInd) experience of acquiring my health insurance was straightforward. It aligned well with my requirements and felt personalized to my situation.

Akk Amma Anand Kumarsiddanavar

Uttara Kannada

Quick policy issuance

I recently purchased my health insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

N Amitha Ramesh

Tumakuru

Quick policy issuance

From start to finish, the process of getting my Health insurance was convenient. The plan offered exactly the type of coverage I was expecting. A printed copy of the policy papers would make the Reliance Insurance Company (now IndusInd Insurance Company) experience even better. I found the entire process trustworthy and efficient.

Ramakrishna Prasadvadala Setty

Trimulgherry

Quick policy issuance

From start to finish, the process of getting my health insurance was convenient. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good Reliance Insurance (now IndusInd Insurance) experience.

Prasanna Lakshmi Kuruganti

Trimulgherry

Quick policy issuance

Buying a health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage.

Indumathi Indumathi

Tiruvannamalai

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Pandurangdah M

Tiruvallur

Quick policy issuance

From the very start to the finish, the procedure of getting my health insurance from Reliance General Insurance (now IndusInd General Insurance) was seamless. It addressed my requirements adequately and seemed tailored to fit my needs

C Jaikanth

Tiruvallur

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. It would be helpful if a physical copy of the policy could also be provided. I'm happy with how everything went and feel secure with my policy.

Ramesh L

Tiruvallur

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.

Nirmala Chell Appa

Tirunelveli

Quick policy issuance

The journey of purchasing Health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance Company (now IndusInd Insurance Company) experience and I am satisfied.

Ganesan Aarathi

Tiruchirappalli

Quick policy issuance

From start to finish, the process of getting my health insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy.

Saji Chandran

Thrissur

Quick policy issuance

Buying a Health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Grace Mathew

Thrissur

4.5

Seamless digital experience

I had a positive overall experience while applying for Health insurance. It aligns well with what I needed from an insurance policy.

Anoop T M

Thrissur

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance General Insurance (now IndusInd General Insurance). The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

Kencysam Sr Kency Samsr

Thiruvananthapuram

Quick policy issuance

From beginning to end, obtaining my health insurance was a smooth Reliance (now IndusInd) experience. It aligned perfectly with my needs and seemed customized just for me.I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Wafa Mol R N

Thiruvananthapuram

Quick policy issuance

I liked how the platform offered clear comparisons. It helped me understand the differences and choose confidently.

Vinoth R

Thanjavur

Quick policy issuance

From the very beginning to the very end, the process of obtaining my health insurance from Reliance General Insurance (now IndusInd General Insurance) was easy and efficient. It met my needs thoroughly and felt specifically designed for me.

Sampada Vijay Jagdale

Thane

Quick policy issuance

From start to finish, the process of getting my Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Geetanjali Ganpat Namaye

Thane

Quick policy issuance

The health insurance experience was smooth and reassuring. I felt like I was making an informed choice without pressure.

Bibinagar Sureshchary

Telangana

Quick policy issuance

From the initial stage to the final step, the procedure of securing my health insurance from Reliance Insurance (now IndusInd Insurance) was straightforward. It fulfilled my expectations admirably and felt personalized to suit my needs.

Pawan Kumar

Tarn Taran

Quick policy issuance

Buying health insurance was a pleasant surprise. The platform was easy to use, and the policy I selected felt well-suited to my needs.

Modugusatish Reddy

Suryapet

Quick policy issuance

I have just secured my health insurance and realized that the entire Reliance Insurance Company (now IndusInd Insurance Company) experience was extremely efficient. It fits my insurance policy needs perfectly.

Kanakai Ahgudipati

Suryapet

Quick policy issuance

I had a smooth experience buying health insurance. The platform guided me through each step, and the coverage felt comprehensive.

Hiralsagar Bhaisardhara

Surat

Quick policy issuance

The journey of purchasing health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Amit Bhaidurlabh Bhai Rajpara

Surat

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.

Ankur Kotnala

Surat

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance (now IndusInd) . It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.

Anil Kumar Ram Sringarsaroj

Sultanpur

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. It met my requirements well and felt tailored to my needs.

Marxia Tamil Selvan

Sivaganga

Quick policy issuance

The health insurance process was straightforward and reliable. I felt confident in the coverage and appreciated the overall flow.

Prasad Nangunoori

Siddipet

Quick policy issuance

Buying a health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. I felt that my protection needs were well addressed with this policy. I found the entire process trustworthy and efficient.

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Frequently Asked Questions (FAQs)

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 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.

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 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.

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 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 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.