हेल्थ इंश्योरेंस पोर्टेबिलिटी

Health Insurance Portability! Now A Reality

In the recent past, people have started shifting towards health insurance along with life insurance. It's true in case of life loss, the whole family suffers a lot and for that life insurance is vital. However, what if someone has health complications that require a long hospital stay, multiple visits to the doctor, and a whole range of medicines? 

For that, having health insurance is paramount. Earlier when you sign the health insurance documents, you have to stick with the insurance company irrespective of your satisfaction level. 

However, now you can do health insurance portability to other companies including Aditya Birla Capital when you’re not satisfied with the existing one. With a presence in over 200 cities, we offer a wide range of health insurance policies. 

हेल्थ इंश्योरेंस पोर्टेबिलिटी क्या है?

Now you can change the health insurance policy without losing the accumulated benefits. It is very beneficial especially when the policy requires a waiting period for “pre-existing diseases'’. Now you don’t have to wait anymore. 

The day the policy is ported, you get coverage from the new insurers. If you’re not satisfied with your existing policy or want to know more on “how to port health insurance” contact Aditya Birla Capital. 

IRDA has laid down rules that direct new insurers to allow you with credit gained from pre-pre-existing condition(s) in terms of waiting period”.

What's more, the health insurance portability rules are also applicable when you port from one plan to another. 

What Prompt IRDA To Launch Health Insurance Portability Facility?

1. Continuity of Coverage: Health insurance portability allows individuals to continue with their existing health insurance coverage when they switch jobs or move to a different location. This ensures continuity of coverage and prevents any gaps in insurance coverage.
2. Better Coverage: Portability allows individuals to switch to a health insurance policy that offers better coverage and benefits than their existing policy. This gives them more options to choose from and helps them get the coverage they need.
3. Cost Savings: Portability allows individuals to compare different health insurance policy's premiums, deductibles, and co-payments. By doing that, you choose the one that offers the best value for money. This can lead to significant cost savings.
4. Convenience: Once you port health insurance to a better insurer, It makes it easier for you to manage their health insurance policies. They do not have to go through the hassle of cancelling their existing policy and applying for a new one every time they switch jobs or move to a new location.

Salient Features Of Health Insurance Portability

• Flexibility to choose any insurance company of your choice.
• Port any individual or family policy.
• Get credit relating to the waiting period for pre-existing conditions that you have gained with the old insurer.
• Insurance from the new insurer is at least up to the sum insured under the old policy.
• Health insurance portability online is only allowed at the time of renewal. The new insurance period will be with the new insurance company.
• IRDA only assures the waiting period credit clause, otherwise, new insurers have the discretion to formulate new terms. 
• Request to the existing company for your intention of health insurance portability 45 days before to get the policy renewal without any break. 

Note:- You get a 30 days grace period in case a health insurance portability request is under process. 

Points To Consider While Doing Health Insurance Portability?

1. Is the policy provider's hospitalisation facility including room rent, doctor visit charge, nurse charges, etc? 
2. Does it cover pre and post-hospitalisation costs? If yes for how many days?
3. Will you be getting the ambulance charges that transported you to the hospital?
4. Are the daycare treatments covered?
5. Can you go for preventive health check-ups so that you monitor and track your health regularly?
6. Will you be getting healthcare charges reimbursed for home hospitalisation?
7. Does your policy cover alternative forms of treatment such as Ayurveda, Unani, Siddha, and Homeopathy?
8. How many hospitals are on their panel in your city and available facilities?
9. What's the customer service response time, and claim reimbursement process/days? 

How To Port Health Insurance Policy?

For most people, the porting process can be a daunting task. If you want to switch to a new insurer, you can do so in three simple steps:

• Fill in the form of portability with your old insurer.
• Fill out the proposal form with the new insurer.
• Submit the documents and make the payment.

Required Documents For Health Insurance Portability

Though portability is online with Aditya Birla Capital, still, we recommend you keep these documents handy. 

• Identify proof 
• एड्रेस प्रूफ
• Age proof
• Portability filled and signed 
• Medical documents 

As you get to know the required documents, submit your request for health insurance portability online for Aditya Birla Capital. 

Why Port Health Insurance To Aditya Birla Capital?

We offer a comprehensive health insurance plan that offers a wide range of benefits to individuals and families. Our plans are designed to provide financial protection against medical expenses arising from illness, injury, or hospitalisation.

Some of the key features and benefits of the Aditya Birla Health Insurance plan include:

Cashless Hospitalisation

Our plan offers cashless hospitalisation at more than 10500 network hospitals across India. This means that policyholders can avail of medical treatment without having to pay cash upfront.

नो क्लेम बोनस

The plan rewards policyholders with a no-claim bonus for every year that they do not make a claim. This bonus reduces the premium payable or increases the sum insured.

वेलनेस के लाभ

Our plan offers a range of wellness benefits, including health check-ups, consultations with doctors and nutritionists, and access to a health and wellness portal.

इन-पेशेंट हॉस्पिटलाइज़ेशन

The plan covers the cost of in-patient hospitalisation, including room rent, nursing expenses, and ICU charges.

एम्बुलेंस कवर

The plan covers the cost of ambulance services in case of an emergency.

डे केयर उपचार

We cover the cost of daycare treatments, such as chemotherapy, dialysis, and cataract surgery, that do not require hospitalisation.

वैकल्पिक उपचार

We also cover the cost of alternative treatments, such as Ayurveda, Homeopathy, and Unani, up to a certain limit.

निष्कर्ष

Health insurance portability offers individuals more flexibility and control over their health insurance coverage, which is why it is becoming increasingly popular.

It allows individuals to switch to a policy that suits their changing needs and circumstances, without losing the benefits of their existing policy. Therefore, it is important to carefully evaluate the options available and choose a health insurance plan that provides the best value for money and meets the unique healthcare needs of each individual.

As you got to know about health insurance portability, it's time to choose Aditya Birla Capital. With a wide range of benefits and features, our Active Fit plan provides peace of mind and financial security in case of a medical emergency. It offers health insurance, health benefits as well as rewards. Buy now- Active Fit from Aditya Birla Capital.