India, Nov. 27 -- Portability of a health insurance policy gives policyholders the flexibility to switch to another insurer without losing their accumulated benefits. It ensures continuity of coverage, especially for features like waiting periods for pre-existing illnesses. While this appears straightforward in theory, the process often involves complexities that policyholders only realise once they initiate the porting. Understanding the potential challenges can help you easily manage the transition between insurers.

When you port a health insurance policy, you are transferring your coverage from one insurer to another while retaining certain benefits, such as time already served towards waiting periods. The Insurance Regulatory and Dev...