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Health insurance portability allows you to move your existing policy to another insurer without losing all the continuity benefits you have already earned. It can be useful when you are unhappy with the premium, coverage, hospital network or claim service of your current insurer. However, switching is not always beneficial. The new insurer may charge

Your health insurance policy may have worked well when you first bought it. Over time, however, you may face higher premiums, poor claim support, restrictive room-rent limits or an inadequate cashless hospital network. Buying a completely new policy can mean losing the continuity benefits earned under your existing cover. Health insurance portability provides another option.

A ₹10 lakh health insurance policy may look sufficient until one major hospitalisation uses most or all of the available cover. If another family member needs treatment during the same policy year, you could be left without enough insurance. This is where the restoration benefit in health insurance may help. It can refill the available