Porting of Health Insurance
I had an HDFC Ergo (erstwhile apollo Munich ) Optima health insurance of 15 lakhs coverage + 15 lakhs no claim multiplier bonus accumulated since 2013 .
In Nov 2011 , I ported into Icici lombard complete policy with 10 lakhs coverage + 10 lakhs of ncb carried over while porting with additional riders of claim protector and super no claim bonus .
This year , the policy us up for renewal next month, but i do not see the additional 10 lakhs of multiplier benefit which was carried over from HDFC ergo in the renewal notice . Instead only a additional 1.5 lakhs coverage enhancement is mentioned .
Should i stay with icici lombards current policy or Port out ?
Does no claim bonus and accumulated increase in coverage amount get transferred to new
policy if i port out . My premium currently is Approx Rs 22,000 .