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Moratorium Portability of health insurance

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07 Apr, 2023 by  Mr Himadri De


I have Care insurance for last 10 yrs. I want to switch to care supreme. I asked the company through mail that If I port to the new one will my 8 yrs moratorium period will be counted ( get the benefit) or it will start afresh. But the company remained silent.

Plz opine. What's the IRDA guidelines?


1 Answer

15 Apr, 2023

Hello Himadri,

You can check out the answers from senior experts to the following question. Moratorium Period in case of Portability | Beshak Forum

Since there is some ambiguity here, we would recommend that you take written clarification from Care Insurance before moving forward.

Note, the moratorium clause in Health Insurance has an open-ended exclusion where the insurer is unable to prove fraud (willful act from your end) to get a policy issued or for claim etc.

Finally, we would recommend that you evaluate the coverage and compare the insurance plan well before you port a policy. If you need any insights (plan selection, insurer track record) from our end, you can simply have a quick call with one of our financial advisors and they can help with a detailed report with key insights.

Here's the link: Get Free Consultation from Top Verified Financial Advisors Online |


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