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Porting process of family floter health insurence

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22 Sep, 2021 by  shekhar k

I have family floter health insurance for sum 5Lakhs , i want port my policy , renewal in November, how to proceed ,pls guide me. suggest best policies.

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2 Answer

22 Sep, 2021
Chartered Accountant, Personal Finance Advisor

Hi Shekhar

It is advisable to initiate porting out of an existing policy to a different insurer at least 45 days before the renewal date. Porting out of a health policy is a tricky situation especially if one has existing health issues, the new insurer may not issue the policy due to health condition. It is not advisable to port out of a health insurance policy unless you are unhappy with the service provided by insurer.

Please provide details like the age and existing medical history, if any and reason for porting out so that a suitable plan can be recommended

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24 Sep, 2021
Viswanath S

Hi Shekar,

As Satish advised, you need to kick off the process at least 45 days before the date of renewal. However please make sure you are clear on why you opting for porting as it may not be as smooth as it sounds.

Recently there was webinar on the  ‘Portability of Health Insurance Policies.’  from Beshak team & community folks.

Find the recording of the webinar here 👉 Request you to go through the same where people has shared their experiences and learning so that can better prepared and are able to handle effectively.


Viswanath S

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