Archive · 5 Aug 2025
Keep Health Cover When Changing Jobs: A Quick Guide
When you switch jobs, your company health insurance usually ends.
However, you can often transfer it to a personal plan.
This lets you keep benefits like how long you've waited for treatments for existing health problems.
You need to ask your company for a form.
Your old waiting times and the five-year protection from claim rejections still count in the new insurance.
Employees can convert group health cover to a regular plan when leaving a job to retain benefits.
Conversion allows retention of continuity benefits, such as waiting periods served for pre-existing diseases.
Policyholders should request a portability or conversion form from HR or insurer upon resignation.
Waiting-period credit and the 5-year moratorium period for pre-existing diseases continue from the original policy.
Employees can maintain both a migrated and a new employer-provided health insurance policy.
- Who
- Employees covered under group health insurance.
- What
- Information on how to retain health insurance benefits when changing jobs.
- When
- At the time of leaving a job.
- Where
- Relevant to health insurance policies.
- Why
- To inform employees about the option of converting group health cover to individual plans.
Employee Concerns
Insurance Providers
Insurance Continuity
Employee Concerns
Risk of losing health insurance benefits.
Insurance Providers
Securing continued coverage through policy conversion.
- Group Health Cover
- Provided by employers.
- Policy Conversion
- Allows employees to transfer group cover to a retail plan.
- Continuity Benefits
- Waiting periods for pre-existing diseases are retained.
- Moratorium Period
- 5-year period continues from original policy.
- Request Procedure
- Contact HR or insurer for portability or conversion form.
