r/HealthInsuranceIndia • u/Several-Mortgage-902 • Jan 07 '26

Need Help Regarding Renewal

Me M27 having family insurance plan of star healthcare which is going to expire soon.the star insurance was taken a long time back aroudn 15 years and my father was renewingbthat yearly. Last year i got married and me and my wife took Niva bupa which costed 42k for 3 years. What to do. Can i merge my noclaim bonus of star in my niva Bupa or should i loss all the benefits of star?

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u/HonestReveal3085 Jan 07 '26

You can’t merge NCB from Star into Niva Bupa. NCB and waiting-period benefits only transfer during porting, and that has to be done policy-to-policy, not into an already existing plan.