Should I Port my Health Insurance? (Portability vs Migration of Health Insurance)

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Portability means, the right accorded to Individual health insurance policyholders (Including all members under family cover) to shift his / her policy to another insurance company along with transfer of credit gained for pre-existing conditions and time bound exclusions.
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#PortabilityofHealthInsurance #HowtoPortHealthInsurance
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[@shubhshiv]

Thanks sir for discussing health insuarance. More videos will be welcome.

[@viragmodi9118]

Bonus will not be transferred in portability as per IRDA circular

[@bla13280]

I have an ULIP and it is in Cover Continuation stage, where i dont need to pay yearly premium anymore. But cover for 10L till my age of 72. Can i still able to port to different provider with the same benefits.

[@supremesolar986]

very good information, especially on portability which I was looking for. Now which health insurance policy is better in terms of service and easy-to-claim benefits?

[@user-hl1by5sd9f]

HI, I WOULD LIKE TO KNOW THE BENIFIT NEGETIVE POINTS OF TWO PLOICES, HDFC OPTIMA SECURE AND CARE SUPREME INSURNCE.

[@veerendrasivaramchaviti9389]

Very interesting and informative. Thanks

[@anirudhkandoth]

thank u so much for this video

[@jagadishdhummansura8579]

sir i have problem for porting, 2 years ago i have claimed for diabetes, that's reason for new company rejected any solution or any law

[@SaketStories]

Sir, my wife is suffering from Rhemotoid arthritis since 8yrs. In that case can she get a health insurance? I have my seperate health insurance with my kid. Pls suggest on it.

[@arnabtechlover]

Thanks for the video

[@ramdasbaghel6783]

I would like to explore the possibility of discontinuing my agent association with the renewed policy. Due to agent involvement from inception, my cost of policy is increased. Can I remove agent and renew existing policy? HDFCErgo treating me as new policy/new customer when I requesting them to remove Agent from my existing policy renewal What your thoughts?

[@V98000]

सर नमस्कार, मेरे पास chola MS का ग्रुप हेल्थ इंश्योरेंस है जो कि बैंक ऑफ बड़ौदा के सेविंग अकाउंट होल्डर्स के लिए है...क्या मैं इस प्लान को किसी और कंपनी के रिटेल प्लान में पोर्ट करवा सकता हूं???

[@himji857]

I bought mediclaim from oriental assurance company ltd .and bought happy family floater policy .its more the 10 years now .i want to port due to some reasons .tell me which is the other best company where to port as happy family floater policy ?? Will b my benefits would be secured ?? Plz reply specifically if you/ any one can .thanks

[@dipakkumarchakma1256]

I would like to port my health saver policy of icici Prudntial to icici Lombard health policy - is it considered to be portable or migration! Thanks

[@ashokmodi1978]

How is care insurance. What is their balance sheet position.

[@rahulsingh0077]

Navratri Promo code is not accepting by the site

[@user-jn4ou2sy7c]

Can we change agent code in same company. Can i get same commission after port.

[@rajeshsoni8754]

Abhri abhi premium bhara hey to kya ab dusri Co me Port kar sakte hey ?

[@abhilashdwivedi4963]

क्या बैंक द्वारा की गई पॉलिसी को पोर्ट किया जा सकता है? मेरी एक पॉलिसी star हेल्थ की बैंक ऑफ baroda ने की थी और मुझे उसे पोर्ट करना है.

[@kamalkamallamak]

How to clame health insurance?

[@AbhishekRoy-no7br]

Please make vedio or a comparison vedio on Niva Bupa Reassure plan

[@Vishal_Singh_149]

Will all the accrued benefits be carried forward if we port a floater health insurance plan of one insurer to individual plan of another insurer?

[@soodvikram84]

Depends on new insurer sometimes yes and sometimes no....

[@myyt.handle]

More videos on health and life insurance please

[@gouthampai5055]

Thank you Gaurav Sir

[@harshjain6134]

Sir I have question on healthy insurance If I port my policy in 3 different for example in span of 8 years will I be given benefit of moratorium period or not?

[@harshjha1405]

Thank you,

[@ravikapur8836]

If I port my 10 year old health insurance policy to other company , pl confirm that there will be no waiting period for my existing disease ?

[@harendraprasad4050]

क्या आईसीआईसीआई लोंबारड से रैलीगियर हेल्थ इंश्योरेंस में शिफ्ट होना चाहिए

[@ArunSingh-bu1dx]

But aapne moratorium period ke bare me nahi bataya

[@AjayGupta-xm4hr]

You mentioned only indemnity plan eligible for portability, does that mean if I have Topup or super topup plan, then the portability feature is not applicable?

[@soodvikram84]

It is applicable....

[@ManishSharma-qy5bk]

Portability Term plan mei bhi h kya

[@MrMallu.]

ys we need more video... what will be a insurance best for bachelors? with minimum rate. and second doubt. if we take 2 L policy and after a 5 yrs we increase that to 5L policy, will that be possible? Good way to tackle this.. as we are under 30 , cover can be less...

[@soodvikram84]

Yes thats possible however you need to disclose any pre existing desease again at the time of increasing sum Insured. Star Health young star policy or care plus youth can be considered as per your age bracket.

[@prasannakumarnanda387]

KINDLY DO A PROGRAMME ON AIR AMBULANCE FACILITY CONDITIONS IN HEALTH POLICY IN DETAIL , POLICY ALIGNMENT OF BASE AND SUPER TOP UP POLICY & MORATORIUM AND ITS EFFECT ON PORTABILITY

[@rahulsingh0077]

Navratri promo code is not accepting

[@PD3666]

Can I port my base policy of Company A to super top up policy of Company B? Or a user can only port from base plan to base plan and super topup to super topup.

[@dilipgugaliya4331]

yes base to base and topup to topup

[@rohangupte9661]

Please discuss about health insurance for individuals who have recovered from a life threatening disease... waiting period before they can get an insurance

[@soodvikram84]

Moat likely you won't be able to get health insurance.

[@RajSharma7714]

sir can i migrate from group health insurance to an individual health insurance...bcoz my insurance company dinied me from migration..kindly reply sir

[@s....982]

No…group health insurance not migrant

[@rajeevkumarsingh4115]

Nice information

[@niladribanerjee2821]

Mera ak disease hai anchiolysing spondylosis aur ye existing plan me not cover kar diya hai. Kya hum port karke dusra company me jane se wo cover ho sakta hai? Current plan 3 years ka hai jo ki expire hone wala hai

[@soodvikram84]

Try kar sakte ho. If this is not a critical illness then it can be covered however waiting period may apply depending on new insurer.

[@herry4u2010]

I am suffering for auto immune disease and 6 month ago i claim of this. So i port my policy other company for this benifit and my policy old as 10 year

[@sanketnegi1]

If I had no major disease before taking health insurance now If I have disease so will tha chances or getting rejected be high?

[@soodvikram84]

Yes. However it also depends on the criticality of desease

[@user-pj4bu9pg5g]

Please clarify about Portability and Moratorium period benefits. If one policy get the Moratorium benefits, will it be available in the new policy from day 1 of porting ?

[@nidhiverma22]

Yes, you get the benefit on waiting period when you port your health insurance policy from one insurer to another. If you already gone through a waiting period of 2 years in your current policy and you port to a new company where again the waiting period is 2 years, your coverage under this new insurer will start from day 1.

[@Gosainirav92]

@@nidhiverma22 itna asan nahi hai mam

[@ajsujit]

sir please make a video on how to port insurance policy. Please discuss process and documentation required.

[@soodvikram84]

Policy bazaar se bhi karwa sakte ho.

[@ggauravbhandari]

If we take a claim and renew the existing policy and next year want to portability so the waiting period will count from the date we will port or when we have taken the claim? Because this is not PED for the current health insurance company Let me know for this?

[@utkarshthakur3174]

did you get the answer ?

[@jayeshsinghvi5630]

Sir one video on best health insurance for 2022

[@suvikvlogs1496]

Migration to portability pls tell something

[@aarshkundanjha9371]

Is there any negative side of portability? Is frequent portability hamper chance of claim?

[@InvestYadnya]

Ideally No

[@Zoya_075]

my insurer said me (now 43) last renewal premium will remain same till 55yrs age, now on renewal saying increased from 17k to 21k due to medical cost inflation...its almost 3 yrs old policy...also I started as bajajallianz before 6 yrs, but in 3 to 4 yrs they called n converted to other showing starting 3 yrs back...sir and all please write letter to PMO for ayushman bharat covering all at affordable premium for job ppl with life on EMIs etc

[@njpendse]

Is it compulsory to inform existing insurance company before porting policy to new company? What are repurcations if not informed.

[@soodvikram84]

No you only need to inform new insurer.

[@ayanbhar996]

Agar primary insurer ka death ho jata hain to 2nd insurer port kor sakta hain

[@bhavindharod8867]

Is portability possible from Corporate health insurance to normal health insurance for same company?

[@soodvikram84]

In most cases no...

[@suniltraders6113]

sir, aapki saari baat samaj aa gayi thank you. 1 query. humne 2021 mein star health comprehensive policy li.3 bimari pehle thee. woh humne bata di. health checkup ka bhi request kiya par unhone video call kiya health checkup nahi kiya. agent ne poocha medicine lete ho? humne woh bhi bata diya. abb claim ke time pe company bol rahi hai aapne mnedicine nahi batayi thi. mere paas form ki copy hai maine woh dikhayi. phir company bol rahi hai aapke 2009 me hospital admit hue thhe, par surgery nahi hui thi. woh nahi bataya. hume nahi pata tha. first time policy li. 2021 mein 58 age thi. abb 61 hai. jo bhi agent ne poocha woh sab humne bataya. agent toh bol raha tha aap disease bhi mat batao policy nahi milegi. humne jabardasti form mein likhwayi. abb company meri wife ki policy rakh rahi hai. par mujhe delete kar rahi hai. kripya mujhe help kare. manu age 61🙏🙏🙏

[@yousufpasha8184]

Don't do portability if you are above 3 years old because if u port than 8 years moritorium period will not apply to new company, no inhone nahi bataya, 8 years moritorium period means agar ek hi company me 8 years continue raho GE to koi bhi claim reject nahi hoga acco8to IRDAI rules so better don't do portability of your old policy

[@subhendudas9009]

Plz read the whole IRDA notice. Read carefully There mention one line "After the expiry of Moratorium Period no health insurance claim shall be contestable except for 👉proven fraud and permanent exclusions specified in the policy contract**👈 So no guarantee that your claim getting approve after 8 years.

[@AshishKumar-eo6wq]

Is there any loss of moratorium period

[@s....982]

Yes moratorium period will elapse…..so must fill proposal form accurately to save yourself from claim Denial

[@ashokshinde1179]

Important information sir

[@1185mj]

sir pls make a vedio on term insurance how to take and how to plan