Thank you for the reply!

Can you please clarify few points -

• Can they reject my request to port from group plan to individual plan on any ground? (Is there any guidelines by IRDA)

• Can they make any condition that any PED will not be covered or will have 3-4 years waiting period even after the port to individual policy?

• As you said "individual rate will be more than double" So is it double than the normal market premium for particular sum assured for given age? can you clarify this point?

• My current employer (NTPC) doesn't have any upper ceiling for sum insured (we can claim any amount). So how will they decide the sum assured at the time of port?

• Most importantly, say 1-2 years after port to individual policy under same insurer, can I port to other insurer with better settlement ratio, better benefits & better sum Insured? Will they cover any PED?

Thank you!

Hi Govil,

- Issuance of your individual policy will completely depend on your underwriter, generally if there's no claim and any major pre existing disease, they may issue your individual policy (do ask about waiting period conditions)

- You need to express your intent of how much Sum Assured are you looking for in writing before the expiry of current policy

- After the individual policy is issued, you can definitely port to another company