What to Do If Your Health Insurance Porting Gets Stuck or Delayed?

Vote: 1

Porting your health insurance should be an effortless thing to do. But, in reality, it is not so easy. Rejections, delays, and documentation gaps are common hindrances if policyholders do not follow the appropriate steps.


Read on until the end to see what causes such delays and exactly what you need to do when your porting gets stuck or delayed.


What to Do When Your Health Insurance Porting Gets Stuck?


Your health insurance porting could get delayed due to several reasons. Let us see what needs to be done in case your health insurance porting gets stuck:



  • Go Back to Your Old Insurer Immediately


If you return to your previous insurer, they will take you back without conditions or a premium increase. This is a safe thing to do if the new insurer is taking a long time to respond.



  • Push for the Short-term Cover


If the renewal date is near and the new insurer has not decided, formally request the 30-day short-term coverage that IRDAI mandates. Do not let your policy lapse while waiting.



  • Escalate within the New Insurer


Get in touch with the grievance cell with a written complaint, referencing the IRDAI-mandated 30-day decision window. A paper trail matters.



  • File a Complaint with IRDAI


If the insurer is not responsive, escalate to IRDAI’s portal or the insurance Ombudsman. A valid grievance is that the authorities are missing mandated timelines.


When Does Health Insurance Porting Get Denied?


Insurers may reject portability requests on grounds such as frequent claims in past years, a high-risk medical history, late application submission, or non-disclosure of previous health details.


Even if rejected, you still have options. Go back to your old insurer. Your existing policy remains valid. So, try a different insurer, as underwriting norms vary and one insurer’s rejection does not bind all others.


One Thing to Watch Out For Post-Porting


Even when porting succeeds, the new policy may feel inferior. The new insurer may impose room rent limits not present in the earlier plan, and riders available with the previous insurer may not be offered by the new one.


Thus, thoroughly checking plan details is crucial before porting.


You have to know the IRDAI timelines, keep documentation ready, submit at least 30 days before the renewal, and never let your old policy lapse during the process.