Let us discuss portability with reference to a Health Insurance Company, say Max Bupa.
Q1. What is Health Insurance Portability?
Portability allows you to switch from one insurer to another without making you lose your waiting period benefits earned by you in your existing policy. The waiting period is generally classified into three types:
- General waiting period
- Waiting period for pre-existing diseases
- Anytime bound exclusion (2 years waiting period for listed conditions)
for example, if you own a health insurance (X), which has a waiting period of 4 years (for a pre-existing disease) and you want to switch from X (with whom you have been insured for 3 years) to Max Bupa, then you just need to serve one more year of waiting period, to avail the benefit of pre-existing diseases with Max Bupa.
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Q2. How to do Health Insurance Portability?
Here’s the simple step by step process that will help you move to a healthier health insurance:
- Step 1. Apply for portability by filling up the portability form 45 days before the renewal for your current policy to the new insurer
- Step 2. We will contact your previous insurer to seek your medical history and claims history. All this is done within 7 working days from the receipt of the portability form along with your application form.
- Step 3. Your previous insurer will furnish your requisite data within 7 working days from the receipt of request to Max Bupa.
- Step 4. We will then communicate the decision within 15 days from the receipt of complete data from your previous insurer.
Portability can be opted by the insured only at the time of renewal by making request for portability at least 45 days prior to policy renewal date. There is no option to seek portability when the policy is ongoing (i.e. due date is greater than 45 days).
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Q2. Who is eligible for Health Insurance Portability?
All retail policy holders with non-life insurance companies can apply to port their existing health policy to Max Bupa.
I will share an example, how this process can go wrong, if done without guidance. I met a Senior citizen, age 67 , in Vadodara few days back. He had a 10 year old Icici Lombard policy. Policy was due to expire in April 2017. He applied for Portability to next company online and Portability was accepted after pre insurance medical checkup.
Now, In June he underwent a Hernia Surgery, which happened on 12 June 2017. Now next company rejected the claim and also cancelled his 10 year old company , due to Non disclosure of facts. His claim of 85000 was not paid. Premium of 32457 was also gone. He is fighting case in Ombudsman. Problem lies with his proposal form and lack of awareness. Every body is right , but portability was done in wrong manner.
To know about Health Insurance for Diabetic Patients on Insulin , Click here
Biggest problem was that he did this process online. Just imagine , a 67 year old guy , without health insurance. He is an extremely honest guy.
So, Its extremely important to hire a health insurance advisor and take professional services.
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