India, July 18 -- Health insurance portability allows you to move your existing policy to another insurer at renewal while keeping eligible continuity benefits. It is useful when your current cover no longer suits your medical needs, hospital preferences or family requirements.

By following the right process, sharing accurate details and keeping the policy active, you can switch insurers without losing waiting period credit, subject to policy terms, underwriting guidelines and applicable regulations in India.

Portability means shifting your existing health insurance to another insurer or another suitable plan at renewal. You do not need to lose every benefit earned under the old policy. Waiting period credit already completed may contin...