What portability preserves
IRDAI portability lets you move to a new insurer while carrying forward the waiting-period credit you've already earned for pre-existing diseases — so you don't restart the clock. Your new plan may offer better cover, network or service.
Not sure how this applies to you? A free call with Vijay Singh Rana sorts it out in minutes.
When and how to port
Apply at least 45 days before your renewal date. The new insurer reviews your history and may accept, adjust terms, or decline. An advisor can compare options and handle the paperwork.
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Vijay Singh Rana — HDFC Financial Advisor · IRDAI & AMFI Registered
Frequently asked questions
Do I lose my waiting period on porting?
No — that's the point of portability; served waiting time is carried over, subject to the new insurer's approval.
When can I port?
Only at renewal. Start the process about 45 days before your renewal date.