Port Health Insurance Policy Online

Health insurance portability allows you to port health insurance from one insurer to another without losing important benefits like waiting periods and your cumulative bonus. In India, health insurance portability is regulated by IRDAI and is allowed only at the time of renewal, with an advance request usually 45 - 60 days before renewal. Read more... The porting process generally takes 7 - 15 days, depending on document verification and medical underwriting. Before porting, always compare the new plan’s coverage, exclusions, network hospitals, claim support, and overall value, and ensure there is no break in coverage to avoid losing continuity benefits during porting. Read less

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What is Health Insurance Portability?

Health insurance portability is a process through which you can transfer your current health insurance policy to another insurance provider of your choice, without losing any existing benefits, such as waiting period, cumulative bonus, etc.

In simple words, if you are not happy with your current policy, you don’t have to start from zero again. You can move to a new insurance company, keep your waiting period benefits and continue your coverage without a break.

Meaning When Should You Port? What to Carry Forward? How Can You Switch? Is it Right Choice? Buy New Policy or Port Exisiting Policy Why Choose Digit? How to Port Your to Digit? Documents Required How Long It Take to Port? What to Check Before Porting? Advantages Disadvantages IRDAI Portability Rules Can Porting Be Rejected? Reasons for Rejection Important Things to Keep in Mind FAQs

When Should You Port Health Insurance Policy?

You should port your health insurance policy at the time of renewal if your current plan is no longer meeting your needs. Instead of continuing with a policy that’s causing issues, porting allows you to switch insurers without losing waiting period & cumulative bonus benefits.

Here are the most common situations when you should consider porting your health policy:

Better Coverage or Benefits - You might want to port health insurance if you're looking for better coverage options, higher sum insured limits, or additional benefits that your current insurer doesn’t offer.
Improved Premium Rates and Sum Insured - If you find a plan with similar or enhanced coverage at a more competitive price, you might consider porting your health insurance policy to reduce your premium costs.
Service Quality - If you’re dissatisfied with the customer service or claim settlement process of your current insurer, you might transfer your health insurance policy to a provider with better service standards.

Network Hospitals - The availability of a more extensive network of hospitals or preferred hospitals for cashless treatment can be a reason for health insurance portability.
Policy Cancellation - If an insurer decides to cancel or not renew a policy, policyholders have the option to port their coverage to another insurer.
Better Terms for Pre-existing Conditions - Some insurers may offer better terms and conditions related to PED in health insurance or specific treatments compared to the current insurer. This can be a reason for the portability of health insurance.
Changes in Insurer’s Offerings - If an insurer significantly changes its product offerings or withdraws certain policies, policyholders may transfer medical insurance to a new insurer that provides the desired coverage.

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What Can You Carry Forward When You Port Your Health Insurance?

Below are the things you can typically port while switching to a new health insurance provider:

All current insured members
Current sum insured
Your accumulated cumulative bonus
Your pre-existing disease waiting period
Your specific disease waiting period

How Can You Switch Health Insurance Without Losing Your Benefits?

Switching health insurance without losing your benefits is less about remembering rules and more about doing a few basic things right. The final outcome usually depends on how well these points are handled during the switch:

Applying at the right time: You can switch only around your renewal period. Applying too late or too early can affect your benefits.
No break in policy: Your health insurance should stay active without any gaps. Even a short break can impact benefit carry‑forward.
Correct sharing of details: Your medical history, claim records, and policy details should be passed on accurately to the new insurer.
Insurer’s review: The new insurer checks these details before deciding how your benefits will continue. Carry‑forward is assessed, not automatic.

The video breaks down health insurance portability in simple terms, explaining when you can switch, what you keep, and what may change if you move to a new insurer.

Is Porting Health Insurance the Right Choice for You?

Yes, porting your health insurance is the right choice for you if your current plan is not meeting your needs or feels too expensive. If your plan is working well and you are satisfied, you may not need to switch.

Here’s a simple way to decide:

Your Situation	What You Should Do
Your premium feels too high	First, understand why your health insurance premium has increased. Common reasons include age, past claims, or added riders. Speak to your existing insurer to review the increase. If the premium still feels unjustified, compare plans offering similar coverage at a better cost and consider porting your health insurance policy at renewal.
You had a poor claim experience	Start by understanding the reason behind claim issues, whether they were due to policy exclusions, incomplete documentation, or service‑related concerns from the insurer. If the issues are mainly related to poor service quality or unfair claim handling, exploring the option to port your health insurance policy can be a practical next step.
Your current plan has low coverage & you need better benefits	Compare your existing plan with newer policies for higher sum insured, fewer sub‑limits, or better features. If your insurer cannot offer an upgrade that suits your needs, you can go for porting your policy.
You are happy with your current insurer and coverage	If your policy meets your needs, offers good service, and the premium is reasonable, it’s best to continue with your existing plan.
Your waiting period is about to finish	Review whether your current policy meets your long‑term needs. If you are satisfied, continue with the existing health insurance. If there are strong reasons to port, check carefully whether porting will keep your waiting‑period benefits intact.
You have developed a new health condition recently	Before making any decision, first check whether your existing insurer provides coverage for the newly developed condition. If the coverage is limited, speak to a new insurer to understand whether they will accept your application. Once you have clarity, review the coverage, exclusions, and terms and conditions, compare them with your current policy, and then decide whether porting your health insurance is the right choice for you.

Disclaimer: This table is for informational purposes only. Porting decisions depend on policy terms, medical history, insurer underwriting, and IRDAI rules. Please review policy documents or seek expert advice before switching insurers.

Digit Health Insurance Expert Explains “When Does It Make Sense to Switch Your Health Insurance?”

You should port your health insurance only when your current plan is no longer meeting your needs. Porting is a useful option, but it should be done with a clear reason, not just for small changes.

In most cases, porting makes sense if:

- Your coverage feels too low for today’s medical costs

- You’ve had a poor claim experience

- Your plan lacks important benefits you now need

- You’re paying a high premium without getting enough value

Don’t switch just because another plan looks slightly cheaper or different. Switch only when the new plan clearly offers you better coverage, better benefits, and a better overall experience.

Should You Port Your Existing Health Insurance Policy or Buy a New Health Policy?

You should port your existing health insurance policy if you want to retain waiting‑period benefits and cumulative bonus, while buying a new policy may be suitable if you are entering health insurance for the first time or do not need past benefits to continue.

However, here’s a simple comparison to help you decide:

Basis	Porting Your Policy	Buying a New Policy
Waiting period	You get credit for the time already completed with your previous insurer.	You may have to start waiting periods again if you buy a new policy.
Existing benefits	You can carry forward some benefits, such as a cumulative bonus.	You have to start fresh with new benefits in a new health policy.
Best for	Porting health insurance is best for people who are unhappy with their current plan	First-time buyers should consider buying a policy rather than renewing
Continuity	No break in policy continuity and coverage if done on time	Coverage and continuity start fresh with a new policy

A simple way to decide between buying vs porting health insurance is:

If your current plan is not working for you, porting can be a smart move
If you want a completely new start, buying a new policy may suit you better

Why Choose Health Insurance by Digit?

Simple Online Processes - From buying a health insurance policy to making claims, it is paperless, easy, quick, and hassle-free! No hard copies, even for claims!
No Age-Based or Zone-Based Co-Payment - Our health insurance comes with no age-based or zone-based copayment. This means that during health insurance claims, you need not pay anything from your pocket.
No Room Rent Restriction - We understand that everyone has different preferences. That’s why we have no room rent restrictions. Choose any hospital room you prefer.
SI Wallet Benefit - If you exhaust your Sum Insured in health insurance during the policy period, we refill it for you.
Get Treated at Any Hospital - Choose from our network hospitals in India for a cashless treatment or opt for a reimbursement.
Wellness Benefits - Get exclusive wellness benefits in your health insurance on the Digit App in collaboration with top-rated health and wellness partners.

How to Port Your Health Insurance Policy to Digit?

You can port health insurance policy online through Digit’s website or app, 45 – 60 days before your renewal date. Here’s how you can go for health insurance portability at Digit:

Provide Your Details

Start your request for porting of health insurance by providing your name and mobile number in the above form or directly through Digit app.

Get a Call from Digit’s Team

A Digit representative will contact you within 48 hours to understand your needs and will guide you with documents, plan options, and complete the process smoothly.

Review and Policy Issuance

Digit will review your porting request and verify your policy and claim details with your previous insurer, as per IRDAI guidelines. Based on this evaluation, your application may be approved as requested or with revised terms, after which your new health insurance policy will be issued.

What are the Documents Required for Porting a Health Insurance Policy?

To port your health insurance policy, you’ll need to keep a few documents handy. This helps make the process quicker and smoother for you. Here’s what you may need:

Existing policy document
KYC documents (Aadhaar card, PAN card, DL, Passport, etc.)
Medical details about your current or previous health condition
Claim history details under your existing policy (if any)

How Long Does It Take to Port Health Insurance Policy?

Porting a health insurance policy usually takes around 7 to 15 days. The timeline depends on how quickly your policy details, claim history, and medical information are verified between your existing insurer and the new insurer. If all documents are clear and no additional medical checks are required, the porting process can be completed faster.

Here’s what affects the timeline of porting health insurance:

Document submission: If you share all required documents on time, the process moves faster
Verification with your current insurer: Your new insurer checks your details and claim history
Medical checks (if needed): In some cases, you may be asked for a medical test, which can add a few days

What Should You Check Before Porting Your Health Insurance?

Before you port health insurance, you should make sure the new plan is actually better for you and fits your needs. Here’s a simple checklist with a bit more clarity:

What are the Advantages of Porting Your Health Insurance to Digit?

Enjoy Continuity of Benefits: One of the greatest benefits of porting your health insurance plan is that you don’t need to give up on any benefits. For example: If your new health insurer has a waiting period of 3-years for specific diseases and you already had your previous plan for 2 years – you will only need to wait one more year to claim for those specific diseases, unlike when you buy a new plan, wherein you would have to start waiting periods all over again!

Keep Your No-Claim Bonus: Nobody wants to let go of their no-claim bonus and I guess insurance providers get that! That’s why, one of the benefits of porting your health insurance is that you don’t need to let go of your no-claim bonus, it will be added to your new health insurance policy, just as it is.

Waiting Period Remains the Same: As mentioned above, since you enjoy continuous benefits whilst porting, your health insurance waiting periods are not affected when you port your health insurance. They’re added based on how much time you’ve spent with your previous health insurance provider.

What are the Disadvantages of Porting Your Health Insurance to Digit?

You Can Only Port During Renewal: So, while porting is great and all – one of the downfalls is that you can only port your health insurance when it’s time to renew your health insurance policy. However, here’s a tip to share – if you’d like to port your health insurance, start researching and evaluating your options 2-months before your renewal so you have enough time on your hands to make a decision and then apply to port your health insurance policy.

Limited Changes in Your Plan: While you can port your health insurance plan to a better health insurer and plan, you cannot make too many changes and will have to go for a similar plan. For more changes or customisations in plan and coverage, your health insurance premium and the terms and conditions attached to it will be changed accordingly.

Higher Premium for More Extensive Coverage Compared to Your Previous Plan: In case you’ve decided you want to go for a very different plan and higher coverage than the one with your previous insurer, your premium too may differ accordingly.

What are Health Insurance Portability Rules by IRDAI?

The Insurance Regulatory and Development Authority of India (IRDAI) have set certain rules to protect policyholders from restarting waiting periods or losing earned benefits when changing insurers. It includes:

Aspect	Details
Type of Policy	Health insurance portability is allowed only between similar policy types. Individual policies can be ported to individual. If you are part of a group health insurance policy, migration to an individual policy is required before portability can be done.
Type of insurance company	Insurance companies are usually classified as either life insurance companies or general insurance companies. When you port, you need to make sure you port to a similar type of company. By the way, Digit is a general insurance company.
No gap in coverage allowed	Your existing policy must remain active. If your policy has already lapsed or there is a break in coverage, your porting request may be rejected.
Informing Your Insurance Company	It’s important for you to notify your current insurance company that you plan on porting your policy. The same must be done in writing, and at least 30 days before your policy is supposed to renew. Insurance companies prefer 45 – 60 days of timeline.
Response from Your Current Insurance Company	Once you have done your job and informed your current insurance company, they have 3 days (72 hours) to acknowledge your request to port your health insurance.
Charging Porting Fees	Insurers are not allowed to charge any fee for porting your health insurance policy
Changes in Premium	Even if you switch to a similar policy, your premium may increase or decrease based on factors like age, health condition, coverage, and insurer pricing.
Grace Periods	You are allowed to get 30 days grace period in health insurance when portability is still under process, i.e., your health insurance premium will be charged based on the number of days your old policy was active
Sum Insured and Extent of Coverage	You can opt to increase your sum insured coverage while porting your policy. However, it would have to be approved by your new health insurance provider.
On Waiting Periods	Waiting periods, you have already completed with previous insurer are carried forward. However, new benefits (like maternity cover or higher coverage) may have fresh waiting periods.
Details Sharing	Your previous insurer must share your policy and claim details within 72 hours of your porting request.
New Insurer Decision	The new insurer has the right to accept your request, reject your request or modify the terms of your policy. They must decide within 15 days. If they don’t respond within this time, your porting request is considered approved.

Can Health Insurance Porting Be Rejected?

Yes, your request for health insurance portability can be rejected if you do not comply with the necessary formalities and don’t meet the risk and coverage norms of the insurer for the chosen plan.

What are the Reasons for Rejection of Health Insurance Portability Requests?

IRDAI regulations outline specific reasons for rejection of porting of your health insurance policy, such as:

Non-Payment of Premiums - Outstanding premiums can lead to rejection.
Misrepresentation or Concealment of Facts - Providing incorrect or incomplete information during the portability process can result in denial.
Pending Claims or Investigations - Unresolved claims or investigations might hinder portability.
Breach of Policy Terms - Violations of policy terms could affect your eligibility for portability.
Poor Claim History - Insurers may view a history of frequent or high-value claims as indicative of a higher risk, making them hesitant to accept the policy transfer.

Note: This information is based on general knowledge and IRDAI guidelines. Specific reasons for rejection can vary depending on the insurer's policies.

What are the Important Things to Keep in Mind Before Porting?

Before porting health insurance, ensure you apply at renewal, understand which benefits can be transferred, compare policy features beyond premium, check acceptance for existing conditions, and confirm that waiting‑period benefits will continue without any break in coverage.

Here are the important things to keep in mind before porting your health insurance policy:

FAQs about Health Insurance Portability

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When can a policyholder apply for portability?

You can apply for portability 45 - 60 days before the renewal date of your health insurance.

Can I port health insurance anytime?

No, you can only port your health insurance before your current policy is up for renewal. The recommended time to do so is at least 45 days to 60 days before your current health policy expires.

Is it possible to port health insurance online?

Yes, it is possible to port health insurance online.

Can I port my health insurance policy to a new provider if I have a pre-existing condition?

Yes, you can port your policy even if you have pre-existing conditions. The waiting period for these conditions will be carried forward to the new policy. However, you must check with your new insurer for coverage before porting.

What Cannot Be Carried Forward When You Port Your Health Insurance?

When you port your health insurance, insurer‑specific discounts, unique add‑ons, special policy benefits, and your existing premium amount cannot be carried forward. The new insurer decides premium, add‑ons, and policy features based on its own terms and underwriting rules.

Can your portability request get rejected by the preferred health insurance company?

Yes, every health insurance company has the right to reject a portability request. However, in most genuine cases and especially with regard to customers with no claim history, portability requests are accepted.😊

What are some of the problems faced while porting a health insurance policy?

One of the most common problems faced by people while porting their health insurance policy is the likelihood of rejection due to claim history, medical details or age. This is because every health insurance provider has the right to either reject or accept a portability request.

What happens if my existing health insurance policy lapses before the portability process is complete?

If your existing policy lapses before the porting process is complete, you might lose your accumulated benefits.

Does the age of the policyholder matter while porting a health insurance policy?

Yes, like any other health insurance policy, your age does matter. The older you are, the higher your health insurance premium may be.

After how long does the porting process get completed?

The porting process typically takes around 7 to 15 days to complete. However, it can vary depending on the insurance companies involved.

How do I port health insurance from one company to another?

Here’s how you can port your health insurance from one insurer to another:

Choose a new insurer: Research and select a new insurance company that offers a suitable plan.
Initiate the process: Inform your existing insurer about your decision to port at least 45 - 60 days before renewal.
New insurer application: Fill out the necessary forms and submit them to the new insurer.
Documentation: Provide required documents like medical history, claim details, etc.
Policy issuance: Once approved, the new insurer will issue a policy.

Please note that the process might differ from company to company.

When should you consider porting your health insurance policy?

If you think there’s a better health insurance policy with better benefits available, then you should consider porting your health insurance policy during your next renewal period.

Instead of porting, can I just change my plan with my current health insurance provider?

Yes, you can. 😊 Generally, plan and coverage changes can be done with your existing health insurance provider at the time of your health insurance renewal.

Which is better? Porting an existing plan or buying health insurance from two different health insurance providers?

Porting an existing insurance plan is generally preferred as it preserves your continuity benefits. Buying two separate policies from two different health insurance providers might lead to gaps in coverage and might not be cost-effective.

Can I switch from a group health insurance policy to an individual policy with another insurer?

Yes. As per IRDAI guidelines, if you are covered under a group health insurance policy (such as an employer‑provided plan), you can move to an individual or family floater health insurance policy, even with a different insurer. This is done through migration at the time of exit from the group policy, after which portability rules apply. The process is subject to underwriting and regulatory conditions.

Will my waiting period be affected when I port?

No, your waiting period will not be affected when you port your health insurance policy. For example, if your Specific illness waiting period is 3 years and you have completed all 3 years, you will not have to wait for claiming even after porting your policy.

What is the ideal time to opt for porting a health insurance policy?

The ideal time to opt for porting is at the time of your policy renewal. You can initiate the process at least 45 days to 60 days before the renewal date of your existing policy.

Is an extra premium required to port my health insurance policy?

Yes, some insurance companies can charge an extra premium for some extra coverage in their policy. However, this can differ from policy to policy.

Is it possible to port an existing group health insurance policy to an individual policy offered by another insurance company?

No, you cannot change the type of policy while porting. If you have an individual health policy, you can only port to an individual health insurance policy offered by another company. However, you can first migrate your policy from group health to individual health in the same insurance company and then apply for porting.

Would there be any effect on the waiting period when I port?

No, when you port your health insurance policy, the waiting period you have already served with your current insurer is carried over to the new policy, so you do not have to serve the waiting period from the start again.

Is there any impact on the policyholder’s age while porting a health insurance policy?

No, there is no impact on the policyholder's age during the portability of health insurance policy.

Instead of porting, is it possible to change to another plan offered by my current health insurance provider?

Yes, you can switch to a different plan within the same insurance company. This process might be simpler than porting.

What is the impact on the cumulative bonus and the waiting period when I choose health insurance portability?

The cumulative bonus (No Claim Bonus) and waiting period are carried forward to the new policy.

Would there be any additional portability charges?

No, there are no additional charges for porting a health insurance policy.