Compare the new policy wording
Check room limits, co-pay, deductible, exclusions, network hospitals, waiting periods and premium—not just cover.
Port without losing continuity
Health-insurance portability checklist.
Prepare a switch without entering a policy number, diagnosis or document. Portability can transfer eligible continuity credits, but the new insurer still evaluates and issues the new policy.
Start ideally 60–30 days before renewal
A simple portability path
Apply through the receiving insurer
State existing coverage accurately. Share documents only through the insurer’s secure official process, never on Accurate Paisa.
Verify transferred credits
Confirm how many continuity months apply to PED and specified-condition waits, and whether bonus or cover changes alter them.
Read the issued schedule and CIS
Check family members, sum insured, room eligibility, co-pay, deductible, exclusions and every optional cover.
Keep proof and cancel carefully
Preserve acknowledgement and issued documents. Do not let the old cover lapse until the new policy is confirmed.
Official consumer guidance
Verify timing and continuity with IRDAI.
Portability is not automatic acceptance. Apply before renewal and confirm the credits transferred in the issued schedule.