← Full guide: Porting Health Insurance in India: Timeline, Documents, and Traps

Step-by-step action plan

Step-by-step action plan. Check the cause, evidence to keep, exact recovery steps, and escalation. Based on Porting Health Insurance in India.

Start here

Start before renewal. Use the current IRDAI/insurer timeline, not a last-minute assumption. Keep the existing policy active until written acceptance and payment are complete.

What applies to this exact problem

  1. Start before renewal

    Use the current IRDAI/insurer timeline, not a last-minute assumption. Keep the existing policy active until written acceptance and payment are complete.

  2. Collect continuity documents

    Gather all policy schedules, renewal receipts, claim history, endorsements, portability forms and member details.

  3. Compare old and new wording

    Use a matrix for waiting periods, room-rent, co-pay, disease limits, restoration, consumables, network, exclusions and claim process.

  4. Separate carried cover from increased cover

    Ask the new insurer to state continuity credit and waiting periods for each sum-insured layer.

  5. Disclose claims and conditions fully

    Provide accurate medical and claim history. Portability is not a route around underwriting or disclosure.

  6. Verify the issued policy

    Check member names, dates, continuity, sum insured, exclusions and endorsements immediately. Correct discrepancies in writing.

Check these first

  • State the exact expected result and the exact result you have now.
  • Find the official record that owns the result and compare it with your evidence.
  • Change one thing at a time, then verify the final state before moving on.

Fix it in this order

  1. State the exact expected result and the exact result you have now.
  2. Find the official record that owns the result and compare it with your evidence.
  3. Get the exact written reason, policy clause, deduction, or missing-document request.
  4. Compare it with the policy schedule, wording, proposal disclosures, waiting periods, exclusions, and claim records.
  5. Correct factual errors at the source: hospital, doctor, garage, travel provider, or policy record. Ask for a signed correction when needed.
  6. Submit one indexed reconsideration file that links each disputed point to evidence.
  7. Keep the policy active while the dispute is open unless you have a safe replacement and understand continuity consequences.

Build the proof pack

  • Policy schedule and wording
  • Written rejection/approval/deduction letter
  • Medical/repair/travel records and corrections
  • Grievance reference numbers

Avoid making the case harder

  • Relying only on phone calls
  • Changing facts to fit the claim
  • Letting renewal lapse while a dispute is open

How you know it is really fixed

  • The official record and your real-world result agree.
  • You have enough written evidence to prove the issue is finished if it returns later.

If it is still not fixed

  1. Insurer grievance officer
  2. IRDAI/Bima Bharosa grievance route
  3. Insurance Ombudsman where the complaint fits its jurisdiction

Official sources from the full guide

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This page solves one branch. The parent guide covers the full decision, edge cases, alternatives, and related checks.

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