Health Insurance Portability

Health insurance is one of the strongest financial protections you can have, but what happens when your current plan stops meeting your expectations? Maybe premiums keep rising. Maybe the claim experience is poor. Maybe the benefits no longer match your needs. Or maybe you simply want better coverage.

That is exactly where Health Insurance Portability helps.

Health Insurance Portability allows you to switch from your existing health insurance plan to a new insurer without losing your accumulated benefits, including waiting periods. It gives you the freedom to choose better service, better coverage, and better peace of mind.

At OneAssure, we help you make this transition smooth, clear, and stress-free. This page explains everything you need to know in simple language so you can make an informed decision.

Health Insurance Portability is your legal right to move your existing health insurance policy from your current insurer to another one while keeping your benefits intact. You get the flexibility to upgrade your coverage, enjoy better service, and retain credit for waiting periods already served.

It ensures you are not stuck with an insurer or a plan that no longer suits your needs.

Porting is suitable for anyone who:

1. Is unhappy with claim settlement experience
2. Wants better features
3. Needs upgraded coverage
4. Wants to remove room rent limits
5. Is paying very high premiums
6. Needs clearer exclusions
7. Wants faster claim support
8. Has outgrown their old plan

If any of these situations apply to you, portability may be the right decision.

When you port your policy, the following benefits carry forward:

1. Waiting period for pre-existing diseases
2. Waiting period for specific illnesses
3. Continuous policy years
4. No-claim bonus, depending on the insurer
5. Renewal continuity
6. Coverage continuity

Your new insurer only needs proof that you had continuous coverage without breaks.

To port your policy, you must meet these conditions:

1. Your current policy should be active.
2. You must apply at least 45–60 days before renewal.
3. There should be no break in the policy.
4. You must submit all required documents.
5. Medical underwriting may be required based on age and health conditions.

OneAssure guides you through every requirement so that the eligibility process is smooth.

Documents generally required include:

1. Previous years’ policy copies
2. Renewal notice
3. Claim history (if any)
4. Proposal form for the new insurer
5. KYC documents
6. Medical reports (if required)
7. Portability request form

You share these with OneAssure, and we take care of the coordination.

When porting, you should always examine these points:

1. Room rent flexibility
2. No-claim bonus structure
3. Restoration benefits
4. Coverage for modern treatments
5. Day-care and OPD coverage
6. Maternity coverage, if needed
7. Network hospitals in your area
8. Premium vs benefits ratio
9. Claim settlement behavior of the insurer
10. Waiting periods for add-ons

OneAssure evaluates all these factors on your behalf.

Avoid these common mistakes:

1. Waiting until the last week before renewal
2. Not understanding exclusions
3. Focusing only on premium instead of features
4. Switching without comparing plans
5. Ignoring the insurer’s claim record
6. Not disclosing medical history

These mistakes lead to delays or rejection. With OneAssure, you avoid all of them.

Porting may not be ideal in a few specific situations:

1. You have major recent claims that may affect underwriting
2. You are undergoing ongoing treatments
3. Premium difference is too high
4. Your current policy already offers strong benefits

In such cases, OneAssure helps you evaluate whether staying is better than switching.