All Health Plans
Best Portability Health Insurance Plans to secure yourself
Arogya Sanjeevani Policy, Star Health and Allied Insurance Co Ltd.
Rural Discount: 20% discount on premium for the rural population
Modern Treatments: Get cover for Modern treatments up to 50% of the Sum Insured
AYUSH Cover: Covers hospitalisation expenses towards AYUSH treatments
Family Health Optima Insurance Plan
Automatic Restoration: 100% of the Sum Insured is restored thrice in a policy year
Additional Sum Insured for Road Traffic Accident: The Sum Insured is increased for Road Traffic Accident on exhaustion of the limit of coverage
Recharge Benefit: Get additional indemnity once in a policy year on exhaustion of the limit of coverage
Medi Classic Insurance Policy (Individual)
Restoration Benefit: 200% of the basic Sum Insured is restored once in a policy period
Road Traffic Accident: The Sum Insured is increased for Road Traffic Accident on its exhaustion
Long-Term Discount: If the policy is opted for a term of 2 or 3 years, then a discount on the premium is available
Star Comprehensive Insurance Policy
Automatic Restoration: Get 100% of the basic Sum Insured restored once in a policy year
Buy-back PED: Optional cover to reduce the waiting period in respect of Pre-Existing Diseases
Mid-term Inclusion: Newly married/wedded spouse and new born baby are covered on payment of additional premium
Star Health Assure Insurance Policy
Family Size: Covers 6 Adults and 3 Children including, self, spouse, parents and parents-in-law
Automatic Restoration: Sum Insured will be restored unlimited number of times and maximum up to 100% each time
Long-Term Discount: If the policy is opted for a term of 2 or 3 years, then a discount on the premium is available
Star Health Gain Insurance Policy
Wide Cover: Provides broad cover for both in-patient hospitalisation and outpatient expenses
Modern Treatment: Expenses are covered either as in-patient hospitalisation or day care procedures
Outpatient benefit: Outpatient expenses incurred at any Networked Facility are covered
Star Health Premier Insurance Policy
Special Policy: Designed for people aged 50 years and above without any maximum age limit
Pre-insurance Screening: Pre-insurance screening is not required to avail this policy
Health Check-Up Discount: 10% premium discount is available if listed health check-up reports are submitted at the inception of the policy and subject to the findings in the submitted report
Star Hospital Cash Insurance Policy
Lump-Sum Benefit for Hospitalisation: Designed to provide daily cash benefit for incidental expenses on hospitalisation
ICU Hospital Cash: Get up to 200% of the hospital cash amount (per day) in case of ICU hospitalisation
Accident Hospital Cash: Get up to 150% of the hospital cash amount every 24 hours of hospitalisation in case of accidents
Star Women Care Insurance Policy
Unique Cover: A specially designed policy that provides multi-fold benefits for women
Automatic Restoration: 100% of the Sum Insured is restored once in a policy period
Delivery Expenses: Normal & C-section delivery expenses are covered (including pre and post-natal)
Super Surplus Insurance Policy
Top-up Plan: Get enhanced health coverage at an affordable premium
Recharge Benefit: Get additional indemnity on exhaustion of the Sum Insured at no additional cost
Long-Term Discount: If the policy is opted for a term of 2 years, then 5% premium discount is available
Young Star Insurance Policy
Automatic Restoration: 100% of the Sum Insured is restored once in a policy period
Mid-term Inclusion: Entitles you to add newly married or wedded spouse, legally adopted child and new born baby in the middle of the policy year
Loyalty Discount: 10% discount for opting the policy before 36 years and continuously renewing it beyond 40 years of age
PORTABILITY
What is portability?
What if your current health insurance company doesn't meet your needs? You must adhere to the terms of the policy because you purchased it. However, choosing a new health insurance plan can be difficult because the waiting period, bonus, and benefits will all be new. The portability concept was introduced by the Insurance Regulatory and Development Authority of India (IRDAI) which entitles the insured to port their policy from one insurer to another in case of dissatisfaction with the current policy or insurer.
The prime benefit of portability is that you can retain the continuity benefits of your existing Health Insurance policy while porting.
BENEFITS
What are the benefits of portability?
If you are dissatisfied with your current Health Insurance policy, or if you feel that the Health Insurance policy of another insurer is better than yours, then portability can benefit you. Here are some of the benefits.
HELP CENTRE
Confused? We’ve got the answers
Get all your portability-related doubts clarified.
What is Health Insurance portability?
Portability is the right of the insured to port their policy to a new insurer in case of dissatisfaction with their current policy or insurer. Portability also entitles the insured to port their waiting period and continuity benefits to the new insurer.
How much does the insurer charge for portability?
When can I port my policy?
How long will the porting process take?
Is it possible to port the Health Insurance policy at anytime?
What is the intimation period for portability?
For which policy portability is applicable?
What are the benefits of portability?
Is there an age limit for portability?
Can I opt for a higher Sum Insured while porting my policy with the new insurer?
Be Assured of the Best
Procedures for porting a Health Insurance policy
Porting a Health Insurance policy is not a complicated process. Get to know the process involved in porting a Health Insurance plan.
Intimation
Intimate your current insurance company at least 45 days before the renewal date of the existing policy
Raise Request
Raise a request to the new insurance company within the same period
Portability Form
Choose the policy that favours your need and submit the filled portability form to the new insurer
Verification Process
Your request for portability will be approved once the necessary verification has been completed and the submitted document is free of errors
What are the documents required to port a Health Insurance policy?
Different insurers may have different procedures, hence the required documents may vary. Some of the documents required to port a health insurance policy are listed below.
- Existing Policy Document
- Identity Proof
- Address Proof
- Filled Portability Form
- Medical Document (if required)
- Claim Document
- Declaration of no claim
Can your request for Health Insurance portability be denied?
Yes, there are some possible reasons why the Health Insurance company can deny the portability request. Following are some reasons why your request for portability may get denied.
- Irrelevant Information
- Misleading Information
- Delay or not submitting the required documents
- If the existing policy is renewed
- Multiple claim history
Health Insurance portability rules
Here are the rules of Health Insurance portability that should be noticed before porting the Health Insurance policy.
- Request for portability can be raised only at the time of renewal of the existing Health Insurance policy
- The decision of porting should be intimated to the existing and new insurance companies within the mentioned intimation period. Usually, the intimation period is at least 45 days before the date of renewal of the existing Health Insurance policy. The prior intimation will avoid confusion and misconceptions during porting
- There are no additional charges for porting
- While porting to a new insurance provider, the continuity benefits and waiting period of the existing Health Insurance policy can also be carried along
- The insured can intimate a request for increasing the Sum Insured, however the same should be approved by the insurance company