Nowadays, a huge amount has to be paid to get treatment in a private hospital. This is why most non-government employees take health insurance policy from private companies. But many times it happens that a new company brings a health insurance scheme with a good offer. Now the question is how users in this situation can switch to the new policy? Today we will tell you about it.
Health insurance policy is most important for non-government employees. Because without insurance policy, employees may have to pay huge amount in the hospital for treatment. But many times it happens that the company whose policy is being followed by the other company provides better facilities at a lower rate. Due to which users have to plan to switch policy. Now the question is how the policy can be changed in such a situation.
Now the question is how any user can change insurance policy. Let us tell you that you can port to change the existing health insurance policy. Porting means that you can transfer your coverage to another insurance company. But for this the current insurance company will have to inform at least 45 days before the date of renewal. Also, fill the portability form and proposal form and submit it to the new insurance company. After this, the new insurance company will get information about the scheme from the IRDA website or the current insurance company. At the same time, after detailed investigation of the application, benefits can be taken under the new policy.
Please note that there is no fee for porting. For this, you just have to submit all the forms related to it in the new company. At the same time, the waiting period in the current policy is also applicable in the new policy. Porting provides all the facilities of the new company to the user and the previous policy also gives the benefit of waiting period and zero claims. Along with this, the company can also increase the limit of the user’s insurance claim. The insurance consumer gets direct benefit of this.
