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To understand the concept of Health Insurance Portability we need to know what the word portable means. Portable is used for things that can be moved or carried easily. Insurance Portability here refers to the right that is accorded to the policyholder (including family cover).
This option can be used by the insured person to switch to a new insurance company from the current company. What prompts a person would change their insurance company? Several reasons account for the shift of insurance providers, including better offerings from a different insurance company.
Therefore, any person is given the right at the time of buying any insurance to make it easier for the buyer to avail better options offered by several companies. There are a bunch of Insurance companies available in the market, hence health insurance portability can be the best trump card for you.
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You cannot port your policy once it expires. Therefore, you have to be careful about the renewal date Read more
Current Policy Expiry date
You cannot port your policy once it expires. Therefore, you have to be careful about the renewal date of your policy as you can only port it at the time of renewal. Moreover, you are supposed to notify the current insurer about the porting 45 days before the renewal date
You must maintain transparency with the new insurance provider. You are supposed to share all your Read more
Be honest to avoid rejections
You must maintain transparency with the new insurance provider. You are supposed to share all your medical history and claim history to avoid rejections from the insurance provider.
You need to remember that similar plans offered by different insurance companies can provide Read more
Similar plans with varying benefits
You need to remember that similar plans offered by different insurance companies can provide you with varying benefits. Hence, you need not assume things, rather be watchful while reading about the benefits.
There is a certain cap on the claimable amount on each type of coverage of a health insurance Read more
Limits and Sub-limits
There is a certain cap on the claimable amount on each type of coverage of a health insurance policy. For example, the daily room rent could be capped to Rs. 3500. Hence, you need to check such limits when you port your policy. Before porting the policy, be sure that the limits and sub-limits are justifying for you.
Health insurance portability allows you to transfer your policy from one insurer to another without losing benefits. However, requests can be rejected for several reasons:
1. Existing Medical Conditions: If you fail to disclose pre-existing conditions, insurers may deny your port health insurance request.
2. Expired Policies: Policies must be active; expired policies are ineligible for portability.
3. Incomplete Documentation: Missing or incorrect documents can lead to rejection.
4. Policy Mismatch: The new policy must offer similar coverage to the existing one.
5. Claim History: A high number of claims can impact the acceptance of your port request.
For more information, visit Bajaj Allianz General Insurance Company - one of the top health insurance companies in India as per IRDA.
There are a few under-listed benefits of health policy portability:
You are allowed to port any individual or family policies that are provided by a general insurance company or a specialized health insurance company.
You need to follow these steps to port health insurance policy:
You can carry forward your cumulative bonus and continue the policy benefits with a seamless reduction in the waiting periods. Therefore, your waiting periods and continuity benefits are counted at the time of health insurance portability.
No, there are no portability charges for health insurance portability. Although some insurance companies might delve into such practices, with Bajaj Allianz, you can rest assured that there are no such charges.
Yes you can change your Sum Insured with the new insurance company, however, acceptance would be based on the preference of the revised insurer.
It depends on the rules of the policies provided by the new insurer. If in case you are given a time frame for the medical formalities, you are supposed to do that in the given duration.
You should apply before 60 days of the renewal date of your health insurance policy. This is because not porting before the expiration date and failure to pay the premium to the existing insurance provider tantamounts to a gap in the policy, which is solid grounds for portability request rejection.
No, you do not lose out on things like an accumulated cumulative bonus, and the amount of the waiting period that has passed.
No, you can only port health insurance policy before your current policy expires. Hence, you are supposed to notify the insurer 45 days before the renewal date of your existing health insurance policy.
The insurer must have specified the reasons behind the rejection of your request. Therefore, you must work on those to address the gaps in your form submission. You are required to provide the insurer with complete information about yourself and your claim history of the current insurance policy. There should be no delay in the submission of the required documents.
If you are planning to buy the same coverage plans from different insurers, it would not make a difference. Therefore, you should consider the difference between both the coverage plans provided by the two different insurers and go further with the plans and companies that suit your needs. Buying two varying coverages from different insurers can help you in extreme medical emergencies.
If there is any adverse medical history, then loading may be applied as per the standard guidelines of the product filed with IRDA.
Yes, you can, as plan and coverage changes can be made at the time of the renewal of your health insurance policy. You do not need to port health insurance to make these changes.
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I am truly delighted at the cooperation you have extended to me in facilitating the renewal of my Health Care Supreme Policy. Thank you very much.
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Good Claim settlement service even during Lockdown. So that I have sell Bajaj Allianz Health Policy to maximum customer's
AMAGOND VITTAPPA ARAKERI
Excellence service by Bajaj Allianz, hassle free service, friendly site to customers, easy and simple to understand and operate. Thanks to the team for serving customers with all the happiness and pleasure ...
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Disclaimer
I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
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