🏥
How to Port Health Insurance to New Insurer 2026
Health Insurance Portability - switch insurer keeping benefits. 60-45 days notice. IRDAI-mandated. Free.
📁 Insurance
⏱️ 1-2 hours
💰 Free
Visit Official Portal →
About This Guide
Health insurance portability allows switching to a new insurer while retaining: waiting period for pre-existing diseases + No Claim Bonus + cumulative benefits. IRDAI-mandated free portability. Apply 60-45 days before existing policy renewal. New insurer cannot reject without valid reason. Free process.
Eligibility Criteria
- Existing health insurance member
- Policy active
- 3+ years preferred (some retain only 5+)
- Aadhaar mandatory
- Premium paid
Documents Required
Keep these documents ready before starting application. Missing documents = delayed approval.
- Existing policy document
- Aadhaar
- PAN
- Latest premium receipt
- Claim history (5 years)
- Health declaration (new insurer form)
- Application form (new insurer)
- Photo
- Bank passbook
Step-by-Step Application Process
Follow these steps in order. Each step is critical - skip none.
Choose New Insurer
Compare plans.
Approach New Insurer
60-45 days before renewal.
Submit Existing Policy
Detailed.
Health Declaration
Honest disclosure.
Premium Quote
Per age + plan + sum insured.
Acceptance Decision
New insurer reviews. Cannot reject without valid reason.
Pay New Premium
Per quote.
Old Policy Termination
Auto.
New Policy Issued
With retained waiting period + bonus.
15-Day Free Look
Cancel within 15 days.
Key Benefits
- Free portability
- Retain waiting period
- Retain NCB
- Better insurer benefits
- Network change possible
- IRDAI-mandated
- Cannot be rejected unfairly
- 15-day free look
- Pre-existing disease coverage continues
What Happens After Application?
15-30 days for new policy active.
Frequently Asked Questions
Pre-existing rejected?
New insurer cannot reject. They MUST accept with same waiting period status. IRDAI complaint available if rejected unfairly.
Premium difference?
New insurer prices per their underwriting. May be higher or lower. Compare carefully.