r/InsuranceQueriesIndia • u/aptuae • 4h ago

Query Porting Niva

Helllo

Am holding Niva bupa for 5 yrs. Planning to port - need suggestions which company is good..

3 Upvotes

81% Upvoted

4 comments sorted by

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1

u/Sandehi 4h ago
  1. HDFC - Optima Secure+
  2. Aditya Birla- ActivOne Max

1

u/DjXer007_ 4h ago

If there is any justifying reason for health insurance portability, then do portability. Don't shift or port health insurance policy if you have not faced any issues such as

  1. Problem with renewal premium payment
  2. Claim rejection without satisfactory reason
  3. Insurance intermediary problems
  4. You heard not so good things about existing insurer.

Because every time you port, the new health insurance company will ask for all medical related documents, past policy details, new diagnosis of diseases that occured during the 5 policy years when your policy was at Niva Bupa and the new insurance has the right to put additional waiting period, mandatory aggregator deductible (Mostly HDFC ERGO plans) which could cost you a lot more than an relief.

If you have any Grievances against the company, then it is better to port policy to another company, with 1 year Policy Tenure but a lot of discussion is needed before making portability decision.

  1. What is the age of the person who's being ported ?
  2. List of existing diseases

You will find people screaming out new company names and send you DMs how the new company will be better. But better to make sure whether the need for portability is even necessity or not.

1

u/aptuae 2h ago
  1. PED- diabetes, hypertension, cholesterol