New Delhi, June 26 -- As health insurance premiums rise and policyholders increasingly seek to port their policies in search of better service and coverage, insurers are balancing customer acquisition with prudent underwriting. HDFC Ergo drew attention recently after some policyholders reported being offered portability subject to deductibles.

In an interview with Mint, Parthanil Ghosh, managing director and chief executive of HDFC Ergo General Insurance, discusses the insurer's approach to portability, deductibles and underwriting, while outlining plans to expand coverage for higher-risk customers, improve affordability and contribute to the industry's goal of Insurance for All by 2047.

We do not view underwriting discipline and inclus...