How to Port Health Insurance Policy Online?

Seamless Online Health Insurance Porting

Porting health insurance online involves some easy steps. It ascertains that you change your provider without compromising your benefits. 

Here is a step-by-step guide that you can take into consideration that might help you: 

Step 1: Check Eligibility 

Check your existing policy details carefully. It should be within the renewable time, 45 – 60 days before the expiry date. Before you initiate the porting process, you must have had one year of any existing policy. There are certain conditions on which porting happens quite smoothly if you have no previous record of claim history. 

Step 2: Make a Compelling Research on New Insurers 

Begin the process by researching different companies online. Try to find out the best offers that will align with your personal needs. Try to compare the premiums, different coverage options, exclusions, and network hospitals. Always go for the insurance provider that provides you with the best coverage with lower premiums. 

Step 3: Check the Insurance Provider’s Website 

Once you are finally done searching for the insurance provider, check their website to begin with the porting process. Most insurance providers have a separate section about portability. Check their “port health insurance” option. 

Step 4: Fill Up the Porting Request Form 

You will always find out the porting request form on the new insurance provider’s website. Fill the form with adequate information such as name, contact information, existing insurer details, and policy number. You may find a separate section where you need to put information on the current plan, coverage details, and the renewal date. 

Step 5: Submit Essential Documents 

For the successful porting process, you need to submit essential documents of your existing policy. This comprises: 
●A copy of your current policy document
●ID card
●Address proof
●Medical history (optional)
Double-check your documents to ensure that you will have a seamless porting process. 

Step 6: Get the Acknowledgement from the Insurer 

Once you submit the request, the new insurance provider will send you an acknowledgement. They can even deny the porting request depending on your history with the current insurance provider.

 
Step 7: Undergo Medical Checkup 

Based on the plan you are opting for, you may need to undergo a medical checkup if required. To check whether you have any existing illness or not, an insurance provider can ask you to do the medical checks and share the current status with them. The step becomes necessary if the person has any medical concerns. 

Step 8: Confirm Transfer of No-Claim Bonus 

If you are holding any no-claim bonus policy with your existing provider, you should confirm the same with the new insurance provider. NCB allows you to get extra discounts for raising no claims in the previous year. 

Step 9: Check the Continuation of the Additional Benefits 

Portability allows you to continue with the additional benefits of the existing coverage. Check there is no gap to avoid any hassle in the porting process 

Step 10: Track the Process

When the process is underway, you should check the status with the new insurer. They will keep you updated on the progress of the porting process.

By following these steps, you can easily port your health insurance policy online. Make sure to plan ahead, compare options, and carefully complete each step for a smooth transition.