What Documents Are Required for Health Insurance Porting in India?

Porting a health policy allows you to change insurers without losing accrued benefits. Nonetheless, the procedure necessitates certain documents in order to confirm your current coverage.

As per IRDAI guidelines, insurers normally require a completed portability form and details of the current policy and health information. By having these documents prepared beforehand, you can make the transfer easier at renewal.

How Does Health Insurance Porting Work?

Under IRDAI regulations, you are only allowed to port your policy upon renewal (should apply 45 days prior to expiry). To initiate portability, you report your intention to your new insurer, who gives you a proposal form and a formal portability form.

You must submit these along with proof of your existing policy history. Your past claim and medical information are then made available to the new insurer through the IRDAI system. After the verification, they underwrite your request (in 15 days).

Key Documents Needed for Health Insurance Porting

The following points describe a few key documents required for porting health insurance in India:

• Existing Policy Documents: Copies of your existing health insurance policies (for all years) and the most recent renewal form. These validate your previous coverage, the value of the sum insured, and any accruing bonuses.


• Proof of No-Claim / Claim History: In case you have a no-claim bonus, you might need to produce a certificate or a declaration to that effect. Similarly, if you have made a claim previously, provide discharge summaries or investigation reports of any prior treatment. This assists the new insurer in making the right adjustments to the waiting periods.

• Medical Records: Any relevant medical reports, especially for pre-existing diseases (PED) or conditions claimed, should be furnished. Having your medical history in order prevents delays.


• Filled Forms: The Portability form of the IRDAI and the health proposal form held by the new insurer have to be fully filled out and signed. The portability form (standard IRDAI form) entails the details of your current policy and the requested new one, whereas the proposal form is the application to the new company.


• Identity and Address Proof: Standard KYC documents (Aadhaar, PAN, voter ID, etc.) and address proof. Most insurers include them in the papers required. They verify your identity and are necessary in order to process any insurance application.

In case you intend to raise the sum insured, the new insurer might demand recent reports of medical check-ups. Some companies also require evidence of premiums paid (renewal receipts) or information about family in case of dependents.

The following is a summary table that contains the health insurance porting documentation requirements:

Gathering such documents in advance will allow a hassle-free porting process. There could be minor differences between each insurer, and in that case, it is always good to check with your present and your potential insurer.