Porting a health policy was never meant to be a simple “walk in with KYC and switch” exercise, as in the case of mobiles. Primarily, to access better products, get wider coverage or more suitable policy terms with another insurer. Instead, consider increasing sum insured with the same insurer, or adding a top-up or super top-up policy. When accepted, they offer a significantly lower premium per rupee of sum insured compared with a base policy. Finally, remember this distinction: porting policy is your right, but underwriting remains the insurer’s right.

Source: The Hindu February 23, 2026 12:21 UTC