மருத்துவக் காப்பீட்டு போர்ட்டபிலிட்டி

Imagine your child needs immediate surgical treatment, but your policy with a low limit can drain your savings. In fact, pouring your time into building family health insurance coverage and serving waiting periods, you are facing skyrocketing premiums at policy renewal. In this situation, are you feeling betrayed?

What if you could escape?

Embrace your ease of mind instead of panic. Shift to a comprehensive health insurance plan from Bajaj General Insurance. We ensure you don't lose any benefits of your existing policy. Carry your no-claim bonus and waiting period, which can make you feel instant relief.

Let's explore the benefits of health insurance portability with Bajaj General and how to port health insurance online. Unlock the power of safeguarding your loved ones' future.

ஹெல்த் இன்சூரன்ஸ் போர்ட்டபிலிட்டி என்றால் என்ன?

Health insurance portability is a process that allows every policyholder to switch their existing health insurance plan to a new one from a reputable insurance company without losing any benefits, like waiting period credits and no-claim bonuses. IRDAI regulates the health insurance portability process to ensure a seamless transition and continuous health coverage.

To port health insurance, you must submit a request within 15 days before your existing policy renewal date. Upgrade your coverage and enjoy hassle-free claim settlements in emergencies.

மருத்துவக் காப்பீட்டை போர்ட்டபிலிட்டி செய்வதற்கான பொதுவான காரணங்கள் யாவை?

மருத்துவக் காப்பீட்டை போர்ட் செய்வது பாலிசிதாரர்கள் தங்கள் தேவைகளை சிறப்பாக பூர்த்தி செய்யும் திட்டங்களை அணுக முடியும் என்பதை உறுதி செய்கிறது. பொதுவான காரணங்களில் அடங்குபவை:

1. Enhanced Coverage: Transitioning to a policy that offers broader benefits or add-ons tailored to evolving health needs.

2. Cost Efficiency: Finding similar or superior coverage at a more affordable premium rate for uninterrupted protection.

3. Relocation: Moving to a region where the current insurer’s hospital network is limited. You can immediately admit your loved one to the network hospital during a health emergency.

4. Retain Bonus: Porting health insurance allows you to get a no-claim bonus, as it transfers to your new health insurance policy. 

5. ஃப்ளெக்ஸிபிலிட்டி: Choosing a customisable policy that aligns better with personal or family health requirements.

6. Better Service: Facing late reimbursement or cumbersome and slow claim settlement issues with the existing health insurance company? Port health insurance to receive better service quality.

உங்கள் மருத்துவக் காப்பீட்டு பாலிசியை மாற்றுவது காப்பீட்டு இடைவெளிகளை தவிர்க்கும் அதே வேளையில் அதன் மதிப்பை அதிகரிக்க முடியும் என்பதை உறுதி செய்கிறது.

How to Port Health Insurance Plan Online?

Bajaj General Insurance provides a simplified online process to port your health insurance. The online health insurance portability process streamlines customer experience and ensures a smooth transition from another insurance provider. Follow these steps to complete health insurance portability:

Step 1: Send a portability request to Bajaj General Insurance at least 45 days before the renewal date of your existing policy.

Step 2: After receiving the portability forms and proposal, compare various health insurance plans available at Bajaj General Insurance.

Step 3: Select your desired health insurance plan and fill out the portability form with details like name, age, and existing insurance details.

Step 4: Fill out the proposal form and provide details for new insurance, including previous insurance claim history and medical records.

Step 5: Collect all requested details from your existing insurer through the IRDAI data sharing portal within a minimum of 7 working days.

Step 6: Submit all relevant documents and wait for the decision on your health insurance portability request within 15 days.

So, are you ready to request health insurance portability?

Usually, the health insurance portability process does not require so many documents, but you have to submit the following documents:

1. Your identity proof

2. Address proof

3. Duly signed and filled out the portability form

4. Age Proof of all insured members

5. Medical documentation, if required

6. Existing health insurance policy ID and other details

7. Claim history of previous years

However, in case you are porting health insurance with Bajaj General Insurance, you need to submit some documents from your previous insurer also:

1. Certificates of the previous health insurance policy

2. Self-declaration in case of no claim

3. Latest health insurance renewal notice with highlighted coverage continuity

4. Documents such as the investigation report, discharge summary, and any claim detail that has been settled. 

When you are not satisfied with your insurance services from the insurer, you can port health insurance. 

Imagine, Mr Karan from Delhi wanted to port his health insurance policy when he was not happy with the services provided by the existing insurance company. Hence, being at a younger age, he found higher benefits from Bajaj General and decided to go for health insurance portability. Similarly, Mr Vishwas from Mumbai, at the age of 58, came to know about the better services that he could avail from Bajaj General, so he went for health policy portability.

1. While Not Getting Additional Cover: Mrs Lata from Bangalore went for health insurance portability with Bajaj General when she learnt about the higher insured sum provided to the policyholder.

2. Receiving Better Option: It might happen that when you compare two different insurance companies, you find varied benefits from each company. Mrs Anita from Chandigarh decided on health insurance portability with Bajaj General after learning about the age caps for renewal, limits on room rent, and policy premiums.

3. Facing Transparency Issue: Bajaj General ensures transparency of the documents involved in the policy. Mr Kartik from Pune read deeply about the transparency policy of the company and went for health policy portability.

நீங்கள் மருத்துவக் காப்பீட்டை போர்ட் செய்வதற்கு முன் தெரிந்து கொள்ள வேண்டிய விஷயங்கள்

Buy a proper cover to avail all the benefits of Health insurance policies. Your claim amount can be impacted if you do not consider your needs, lifestyle and coverage while buying the policy. Therefore, you need to consider a few things while you port health insurance to a new company.

தற்போதைய பாலிசி காலாவதி தேதி

You cannot port your policy once it expires. Therefore, you have to be careful about the renewal date of your policy, as you can only port it at the time of renewal. Moreover, you are supposed to notify the current insurer about the porting 45 days before the renewal date.

நிராகரிப்புகளைத் தவிர்க்க நேர்மையாக இருங்கள்

You must maintain transparency with the new insurance provider. Just share your medical history and previous period year claim history to avoid rejection from your insurance provider. 

பல்வேறு நன்மைகளுடன் இதே போன்ற திட்டங்கள்

You need to remember that similar plans offered by different insurance companies can provide you with varying benefits. Hence, you need not assume things; rather, be watchful while reading about the benefits.

வரம்புகள் மற்றும் துணை-வரம்புகள்

There is a certain cap on the claimable amount on each type of coverage of a health insurance policy. For example, the daily room rent could be capped at Rs. 3500. Hence, you need to check such limits when you port your policy. Before porting the policy, be sure that the limits and sub-limits are justifiable for you.

மருத்துவக் காப்பீட்டு போர்ட்டபிலிட்டி கோரிக்கைகளை நிராகரிப்பதற்கான சிறந்த காரணங்கள்

Health insurance portability allows you to transfer your policy from one insurer to another without losing benefits. However, your insurer can reject your health insurance portability requests for several reasons:

1. Existing Medical Conditions: If you fail to disclose pre-existing conditions, insurers may deny your port health insurance request.

2. காலாவதியான பாலிசிகள்: பாலிசிகள் செயலில் இருக்க வேண்டும்; காலாவதியான பாலிசிகள் போர்ட்டபிலிட்டிக்கு தகுதியற்றவை.

3. Incomplete Documentation: Missing or incorrect documents can lead to rejection.

4. பாலிசி பொருத்தமின்மை: புதிய பாலிசி தற்போதைய பாலிசிக்கு ஒத்த காப்பீட்டை வழங்க வேண்டும்.

5. Claim History: A high number of claims can impact the acceptance of your port request.

For more information, visit Bajaj General Insurance Limited - one of the top health insurance companies in India as per IRDA.

இறுதி வார்த்தைகள்

Health insurance portability allows you to switch insurers without losing accumulated benefits, such as waiting period credits and no-claim bonuses. It helps you upgrade coverage, reduce premium costs, and access better services aligned with your healthcare needs. By opting for online portability on time, you can avoid coverage gaps and ensure uninterrupted protection for you and your family.

Bajaj General Insurance offers cashless treatment at a wide range of network hospitals with 24/7 customer support and a daily cash benefit. Start your smooth switch of health insurer today without any gaps or additional fees.