What is a Health Insurance Portability Certificate?

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The term "health insurance portability certificate" does not exist as an official document, but describes a set of documents that people use to switch their health insurance coverage between different insurance providers.


The new insurance company uses this information to verify details from the previous policy while ensuring all accumulated benefits from the past plan, including waiting periods and no-claim discounts, do not lapse.


Keep reading to learn more about the documentation process and the step-by-step procedure to port health insurance.


Documents Required to Port Health Insurance


Obtaining health insurance portability involves furnishing certain documents, which may vary slightly depending on your insurer's policies. Typically, you need to submit the following:



  • Identity Proof

  • IRDA Portability Form

  • Address Proof

  • Existing Insurance Policy

  • Proposal Form

  • Claim History (if applicable)

  • Declaration of No Claims (if applicable)

  • Relevant Medical History Documents


Having these documents in the right order ensures a seamless transition of your health insurance policy.


Steps to Port Health Insurance Online


The steps to apply for health insurance portability online are outlined below:


Step 1: Submit a portability request to the health insurance company you wish to switch to at least 45 days before your current policy is set to renew.


Step 2: Upon receiving your portability request, the new insurer will send you a proposal and portability forms, along with information about the plans they offer.


Step 3: Choose the health plan you want to port to and return the completed proposal and portability forms to the new insurer.


Step 4: Once all forms are received, the new insurer will contact your previous insurer to obtain details such as your claim history and medical records. They can also retrieve this information from the IRDAI's website.


Step 5: The existing insurer is required to provide all requested information through the IRDAI's common data-sharing portal within 7 working days. If there is a delay in sharing this information, the new insurer may postpone the decision on your porting request.


Step 6: After all information is received, the new insurer will make a decision to accept or reject your portability request within 15 days. If they do not make a decision within this timeframe, they must accept your portability application.



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