All You Need To Know About Insurance Portability: Process And Key Benefits | Personal Finance

Is your health insurance policy still meeting your needs? In this special edition of Money Today’s Insurance Masterclass, Sakshi Batra, along with Neetu Chandra Sharma, decodes health insurance portability with insights from Adarsh Agarwal, Appointed Actuary at Digit Insurance, and Deepak Kunal, Co-founder and CEO of Insurance Samadhan.

The discussion explains when policyholders should consider switching insurers, how portability works, and whether waiting period credits and no-claim bonuses can be carried forward. Experts highlight the importance of hospital networks, room rent limits, co-payments, exclusions, claim settlement experience and adequate sum insured.

The conversation also covers portability for senior citizens, people with pre-existing conditions, increasing health cover, and alternatives such as migrating to another policy within the same insurer. Understand the key factors to evaluate before making a decision about your health insurance.