Archive · 20 Sep 2025
Health Insurance Porting: What You Need to Know
Thinking about switching health insurance?
It's like moving to a better house!
You can keep things you've earned, like not having to wait long for coverage.
When you switch, your waiting periods and any bonuses stay with you.
Look for plans that cover a lot, including things like check-ups.
Compare plans and check how easy it is to get help.
Plan ahead and you'll get the best protection!
Porting allows policyholders to switch to better plans without losing benefits.
Waiting periods for pre-existing conditions are carried over.
Accumulated no-claim bonus (NCB) is transferable.
Focus on comprehensive coverage that goes beyond hospitalization.
Submit a porting request at least 45-60 days before policy renewal.
- Who
- Health insurance policyholders
- What
- Key considerations when porting health insurance policies
- When
- Submit porting request 45-60 days before policy renewal
- Where
- N/A
- Why
- To get better coverage, benefits, and chronic illness support.
- Key Benefit of Porting
- Continuity of waiting periods and No Claim Bonus are carried forward
- Recommended Timing
- Submit portability request 45-60 days before renewal
- Focus of New Plan Evaluation
- Comprehensive coverage beyond hospitalization
- Author
- Head Products and Operations , ManipalCigna Health Insurance
- Published Date
- September 20, 2025