Archive · 13 Sep 2025
Switching Health Insurers: Understanding the Porting Process
Many people are unhappy with their health insurance due to rejected claims, confusing processes, or high premiums.
If you're facing these problems, you can switch insurers!
This process, called porting, lets you move your policy to a new company.
When you switch, you can keep some benefits like the waiting period.
Apply at least 45 days before your current policy ends.
Gather your records, and research insurers to find one that fits your needs.
Health insurance claim rejections totaled ₹26,037 crore in FY24.
Reasons for porting include claim issues and rising premiums.
Porting allows policyholders to retain benefits like waiting periods.
Porting applications must be submitted at least 45 days before renewal.
New insurers will gather information from current providers.
- Who
- Health insurance policyholders
- What
- Porting health insurance policies to new providers
- When
- Ongoing, with porting requests due at least 45 days before policy expiry.
- Where
- India
- Why
- To secure medical needs and avoid issues with current insurers.
- Rejected Claims (FY24)
- ₹26,037 crore
- Disallowed Claims (FY24)
- ₹15,100 crore
- Repudiated Claims (FY24)
- ₹10,937 crore
- Porting Request Timing
- At least 45 days before policy expiry
- Porting Benefits
- Retention of waiting periods, transfer of cumulative bonus