What is Health Insurance Portability?

Why port your Health Insurance to Digit?

Easy Online Processes

Easy Online Processes

From the process of porting your health insurance to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims!

Additional Sum Insured

Additional Sum Insured

Specifically for Accidental Hospitalization and Critical Illnesses related hospitalization. 

No Age Based Copayment

No Age Based Copayment

Our plans come with No Age Based Copayment. This means, during your claims- you need not pay anything from your pocket.

No Room Rent Restriction

No Room Rent Restriction

Everyone has different preferences and we understand that. That’s why, we have no room rent restrictions. Choose any hospital room you prefer.

2X Sum Insured

2X Sum Insured

If you exhaust your sum insured and unfortunately need it again during the year, we refill it for you.

Cumulative Bonus

Cumulative Bonus

Continue to get rewarded for staying healthy with our yearly Cumulative Bonus.

Get Treated at any Hospital

Get Treated at any Hospital

Choose from 5900+ of our network hospitals in India for cashless claims or opt for a reimbursement.

What is the process of porting my Health insurance Policy to Digit?

When should you port your Health Insurance Policy?

When you’re not happy with your current health insurance provider

Perhaps you’re not too happy with the way your current health insurance is going. It could be the service, premium price or the fact that the plan is not well suited for you.  

When there are better plans out there!

You could be in a situation where your current health insurance provider is great but still doesn’t provide you with valuable benefits you need for you and your family. 

When you want to shift to a health insurance that is digital friendly

If you’ve had a health insurance policy for a while now, chances are your current health insurance provider isn’t digital friendly and still has long, cumbersome processes.  

What all can you port in your Health Insurance Policy?

  • All Current Insured Members
  • Current Sum Insured
  • Your Accumulated Cumulative Bonus
  • Your Pre-Existing Disease Waiting Period
  • Your Specific Disease Waiting Period

Rights of a policyholder (a.k.a YOU!) for Porting a Health Insurance Policy

  • According to the IRDAI, every policyholder has the right to port their policy (applicable to both individual and family health insurance policies) from one general or specialized health insurance provider to another.  
  • As per the IRDAI guidelines, the new health insurance provider is liable to at least provide for the same sum insured to the policyholder.  
  • Most importantly, the new health insurance provider is liable to provide their policyholder benefits for which the waiting period has already passed, i.e in a health insurance portability- one also gets to transfer their accumulated cumulative bonus and waiting periods.  
  • It is the responsibility of the new and old insurer to ensure the respective health insurance policy has been transferred successfully, as per the IRDA guidelines.

FAQs about Health Insurance Portability in India