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Porting from United India Insurance for Parents with Pre-existing disease

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17 Sep, 2020 by  Rushabh

My father has a cover of INR 5,00,000 from United India and he went through a bypass surgery on 2019. We are fed up of both the agent and company. Agent does not provide any service and this company only gives INR 3,50,000 as claims because of a clause. How can I port my policy to another Insurance provider and also get a higher cover as my dad had recovered completely. He has pre-existing disease of diabetes and bp. Also he has managed to get the care heart topup policy from Religare with a cover amount of INR 10,00,000. After two years they also also cover pre-existing diseases. My main concern is porting from United India to a better company.

Health Insurance

3 Answer

18 Sep, 2020
Co-founder, SureClaim

Hey Rushabh,

This one is a tricky scenario, needs a lot more information to advise. But here are my 2 cents on this (completely initial thoughts):

  • Since your dad just had a bypass, most insurers will decline you the policy. High chances you will not be able to port out.
  • I understand you are anguished over the huge deduction in the claim. Why not try and fix the current policy to reduce deductions in the future. If you have the settlement letter of your claim, could you send it across to me on and I can give more precise strategy to improve cover for future.
  • Good you have the top-up. What is the deductible in the policy? What's your dad's age? I am hoping you have declared all the pre existing medical history while taking this Religare policy.
  • What kind of service are you expecting from your agent that he/she is not delivering? It's not very clear from your post. Care to share it please.
  • For how many years are you having this United India policy?

As I mentioned at the top, these are my initial comments. With more data as I have asked above, more precise advice will follow.

Have a great day!

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18 Sep, 2020
Business Head - Insurance @ Ola Money
  1. You can port your policy 60-45 days before your renewal only
  2. Portability rules differ by company, given your father's age & PED - the new company has discretion in porting him in
  3. If the waiting period in the old United policy is over, it will carry forward to new company. Eg. If you have been with United for 4 years , the new plan will also credit you the 4 years waiting period. It now depends on the new company's plan's waiting period policy
  4. You can port the policy only at the juncture of renewal. That is, the new insurance period will be with the new insurance company
  5. Apart from the waiting period credit, all other terms of the new policy including the premium are at the discretion of the new insurance company
  6. At least 45 days before your renewal is due you have to Write to your old insurance company requesting a shift
  7. Specify company to which you want to shift the policy
  8. Renew your policy without a break (there is a 30 day grace period if porting is under process)

Most new companies will have a portability form. There is a port-in form for new company, and a port-out form with old company that you will be asked to fill

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26 Jan, 2022
Ashish Tiwari

I'm not an expert at this but also in a parallel situation. My mother underwent angioplasty in 2014 and 2016. However, no company is giving her policy except for care.

Care heart is from what I have read through, it's not a top up and is a base policy. It has many sub-limits too like 3 lakhs for cerebro vascular/bone breakage etc and also related to kidney. So be cognizant of that fact. Here if you notice you are not meeting your goal when you choose to port out. Only that care has no sub limit on room rent which is there for united 1 to 2% of SI.

AS per my analysis so far going ahead with a care enhance (super top up) makes more sense with deductible of 5 lakhs. So say you get a bill of 7 lakhs and united only pays 3.5 lakhs then rest you can claim from Care enhance provided they have not excluded his heart condition as permanent exclusion(what they generally do) .

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