How to Keep Health Insurance Continuous when Moving to Other Cities in India?

Changing cities in India does not affect your existing insurance policy; you just need to meet certain requirements to continue it in your new location. Most insurers provide pan-India insurance policies to insureds.

Keep reading this article to dive into the details on how to continue your mediclaim policy in a new city.

How to Continue the Mediclaim Policy in a New City in India?

There are 2 ways to continue an insurance policy in the new city:

• To continue the existing policy in the relocated city.


• To port your insurance plan to a new insurer in the new city.

How to Continue the Existing Insurance Plan in the New City?

Continuing the existing policy in the relocated city needs to meet some specific norms as follows:

Inform the Insurer Immediately

Notify your insurer that you are moving to a new city so they can update their records of communication and TPA (Third-Party Administrator) availability.

Check for Network Hospitals

Verify that the existing insurer has sufficient network hospitals where you can avail cashless hospitalisation and other advanced treatment facilities for critical illnesses.

Submit the Address Updation Proof

Go to the insurer's nearby regional office, log in to the web portal, or use the email service to update your communication address at the new location, and provide valid proof of address, such as a rent agreement or utility bill.

Zone Change Credibility

The insurer asks for an increased insurance premium or co-payment on claims to meet your medical expenses when you move from a low-cost city to a high-cost city.

Sometimes, the sum assured needs to increase because hospitalisation charges are much higher in high-cost cities.

How to Port Your Insurance Plan to a New City?

If your current insurer offers fewer benefits or not enough network hospitals in the new city, you can switch insurers and port your mediclaim policy.

To port your insurance plan, you just need to consider the following norms:

Early Initiation

Initiate the switching procedure 45-60 days before the renewal period.

Apply for Switching Insurer

Fill out the portability application form from the new policymaker and mention clearly the intent of your desire to port the insurance plan.

Transfer Continuity Advantage

When you opt for health insurance portability, the new insurer will credit you for the waiting period already served under the previous insurer, ensuring continued coverage for pre-existing conditions.

Submit the Necessary Documents

You will need to hand over the previous policy papers, the current renewal notice, claim history, and KYC documents such as Aadhar, PAN card, and address proof.

Switching cities in India does not affect your mediclaim policy if you are well prepared and notify the insurer in advance. If the current insurer’s service in the new city is not up to the mark, you can opt for portability, with prior intimation to the new insurer.

Above all, your health will not be compromised by relocation, and continuous service will be provided by the existing insurer or a new policy maker without stressing your finances.