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Health Insurance Portability

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31 May, 2023 by  Poornima Asija

Hi, I'm 31 years old and I have a Niva Bupa Health companion plan (Base 5L, NCB = 4L). Should I port to a better plan such as Star Health Assure / HDFC Optima Secure?

  1. Do I need to inform my current provider that I wish to port?
  2. My NCB will be lost?
  3. If I increase my base SI to 10L, will the additional 5L be available to me after 30 days (as my NCB is 5L) or will I have to serve waiting period on it for another 2 years for specific diseases and 3 years for any PED?
  4. Which out of the 3 would you recommend?
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1 Answer

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11 Jun, 2023

Hello Poornima,

I don't think you should port out from your existing plan. Health Companion is one of the best plans available in the market. Please find the answers to your questions below.

  1. Yes
  2. No. NCB will be carried forward.
  3. You'll have to serve a waiting period once again for the additional sum insured amount.
  4. Already answered above.

Thanks!

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