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Health Insurance Portability Faces Barriers for Older Indians

Health Insurance Portability Faces Barriers for Older Indians
Is porting just a word in health insurance brochure? · livemint.com

The article describes an older woman who is unhappy with her health insurer.

Her claim was delayed, and her premium increased again.

A friend tells her that porting means moving her policy to another insurer.

Porting may allow her to keep the waiting periods she has already completed.

She gathers documents and takes a medical test.

After six weeks, the new insurer rejects her application.

She goes back to her old insurer for renewal.

The story questions whether health insurance porting is genuinely available to older customers.

Key facts

Policyholder
A 62-year-old retired teacher
Reason for considering porting
A delayed claim and another premium hike
Meaning of porting
Moving a policy to another insurer while carrying over waiting periods
Application requirements described
Forms, policy documents and a medical test
Decision timeline
The application was declined six weeks later
Final outcome
The teacher renewed with her existing insurer

Sources

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