Knowledge Centre
1 Crore+ Happy Customers
  • Introduction
  • What’s Included?
  • What’s not Included?
  • Know more
  • Why Choose HDFC ERGO?
  • FAQs

Health Insurance Portability

Health Insurance Portability means an option to switch from your existing insurance company to another without losing continuity benefits. If you feel your existing health insurance isn’t the right one and you wish to cover yourself with HDFC ERGO Health Insurance then you can port it, provided you have renewed your previous policies with other insurer without any breaks.

How can I switch my policy to HDFC ERGO Health Insurance?

Intimate
Intimate
You need to intimate us at least 30 days prior to previous year policy expiry date that you wish to port your health insurance plan. You also need to tell us few details of expiring policy like Sum Insured, members covered, your first policy inception date etc. 
Check claims and medical history
Check claims and medical history
We shall check your medical history and claim track to comprehend the risk before porting the policy.
Undergo Health check up
Undergo Health check up
In case your age is beyond the requisite age group for the policy of choice or you are declaring a pre existing disease, we may ask you to undergo a health check up process before policy portability.
Policy issuance
Policy issuance
Once your portability request is approved your policy gets ported. And, you shall then be covered under HDFC ERGO Health Insurance.

What's covered under HDFC ERGO Health Insurance?

Sum Insured Rebound
Sum Insured Rebound

Get additional sum insured equivalent to the admissible claim amount upto a maximum of the basic sum insured.

Day Care Procedures
Day Care Procedures

Your hospitalization lasted for just a day that doesn’t mean it remains excluded. We cover 586 day care procedures.

Pre-hospitalisation Cover
Pre-hospitalisation Cover

Before hospitalisation, there are expenses towards doctor consultations, check-ups and prescriptions. We provide full coverage of such expenses 60 days prior to hospitalisation.

Post-hospitalisation Cover
Post-hospitalisation Cover

Get full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 180 days after discharge from hospital.

Mental Healthcare
Mental Healthcare

If any of the insured member suffers from mental illness, the expenses for hospitalization gets covered.

Home Healthcare
Home Healthcare

If your doctor recommends treatment at home, you can avail the services right at your home that too with ^^^cashless facility.

Hospitalisation Expenses
Hospitalisation Expenses

Everything from bed-charges, nursing charges, blood tests, ICU and consultation fees gets covered effortlessly.

Road Ambulance Cover
Road Ambulance Cover

Transfer from hospital to home in an ambulance (within the same city) is also covered if the insured encounters life-threatening medical emergency.

Organ Donor Expenses
Organ Donor Expenses

For a noble deed as organ donation, we cover the organ harvesting expenses incurred to the donor in case the insured has to undergo organ transplant.

Alternative Treatments (Non-Allopathic)
Alternative Treatments (Non-Allopathic)

We support the healing powers of Ayurveda, Unnani, Sidha and Homeopathy treatment. No matter what type of treatment you prefer, we are always there for you in the time of need.

Recovery Benefit
Recovery Benefit

We pay out a lump sum amount of Rs.5000 as recovery benefit if hospitalization exceeds 10 continuous days so that taking care of household expenses doesn’t stress you out.

Reasons to port your existing health insurance with HDFC ERGO!

No room rent capping
No room rent capping
Worried that you can’t afford a hospital room of your choice with your insurance plan? With my:health Suraksha you can bank in healthcare comforts.
Sum Insured Rebound
Sum Insured Rebound
Worried about sum insured shortage to treat illnesses? With sum insured rebound, you get additional sum insured upto the base sum insured even if your existing sum insured exhausts.
Free Health Check-up every year
Free Health Check-up every year
Prevention is better than cure! For every renewal we offer free health check-ups so that you are healthier and happier always.
Cashless Home Healthcare
Cashless Home Healthcare
Guess what if your doctor recommends in-home treatment, you can avail medical attention at home without paying a penny! Thanks to our ^^^cashless care facility for home treatments.

When can we deny health insurance portability?

Expired Policy
Expired Policy

If your policy has already expired we cannot accept your health insurance portability request as you need to intimate 30 days prior expiry.

Already Renewed
Already Renewed

If you have already renewed your policy for a year we cannot let you port your policy as health insurance portability works only when your renewal is due.

Excluded Pre existing illnesses
Excluded Pre existing illnesses

If your pre existing illness is not covered under our health insurance plan then we may not be able to port your policy.

 

Know more about Health Insurance Portability

How does portability work?

The last time probably you came across the word portability was when you thought of porting your telecom network service provider, however you would be happy to know that not just your telecom network services but also your health insurance can be transferred from one insurer to another smoothly. Portability of health insurance in a nut shell means the process of changing your existing health insurance provider and moving on to a new health insurance provider without loosing on to the benefits that you have accrued over the period of years of continuous renewal.


How does it work?
For example: Mrs. Verma, 35 years old was looking for a new age health insurance plan with advanced coverage. Her existing health insurance plan did'nt have enough coverage and she felt the need to have a plan which gives her coverage as per the current medical requirements. Hence, she made her mind to switch her policy to another insurer to get updated benefits designed keeping in mind the current medical needs. This was never a possibility before, however with effective guidelines issued by IRDAI she can easily switch on to a new health insurance provider and get herself covered by continuing her existing health cover with a new insurer with better benefits.
What happens to my continuity benefits and waiting periods?

Health Insurance portability also means that your waiting periods and continuity benefits will be counted when you renew your policy with a new health insurance provider. This means if your existing company asked you to wait for 4 years to get a maternity cover, but you have already been insured since 2 years under that policy, then the new policy will allow you to avail continuity benefits upto 2 years and issue policy with only 2 more years of waiting period for maternity cover.  This means your policy benefits continues seamlessly with reduction in waiting periods and carry foward the cumulative bonus that you have accrued.


Why you may think of porting your current health insurance policy or transfer your medical insurance benefits?
There could be various reasons on why you may think of porting your health insurance plan such as service issues, claim difficulties, higher premiums, poor customer support, or the product no more seems suitable.

Our Cashless
Hospital Network

10000+

Hospital Locator
or
Locate Hospitals Near You

Seamless & Easy Claims! Assured


Register & Track Claims through our website

Locate network Hospitals Near You

Regular claim update on your mobile

Avail your preferred mode of claims settlement
Why HDFC ERGO?

Secured 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need 24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.
Why HDFC ERGO?

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements seamlessly, by providing wide range of plans and add on covers for every portfolio.
Why HDFC ERGO?

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.
Why HDFC ERGO?

Awards

We have received the Best Customer Experience Award of the Year and excellence in financial reporting for the year 2016.
Why HDFC ERGO?

Secured 1 Crore+ Smiles

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. Our In-house claims team provides round the clock support to ensure hassle-free claim experience. We ensure to be your constant support system in times of need.

Catering customer needs

Since, last 16 years, we have been catering to endless customer requirements seamlessly, by providing wide range of plans and add on covers for every portfolio.

Transparency at its best

HDFC ERGO General Insurance claims are settled with utmost transparency and ease.

Awards

We have received the Best Customer Experience Award of the Year and excellence in financial reporting for the year 2016.

Frequently asked questions

You could be of any age, we cover you seamlessly. There is no entry age restriction for HDFC ERGO Health Insurance.
Pre-policy check up is mandatory if you are 45 years old and above
Policy which pays in lump-sum amount at time of claim are called as benefit policy. My:health Women Suraksha is a benefit policy, because, in case the Insured is diagnosed with an illness (which is part of the plan opted) and Insured survives for 7 days from the date of diagnosis, then, lump-sum amount (partial or full) is settled based on the disease category the ailment is listed under.
You have to provide us with past year policy document, renewal notice of expiring policy and previous medical or claim document at the time of health insurance portability.

Yes. You can port a family floater health insurance plan


Insured Person will be entitled for preventive health check-up after every renewal of the policy with Us, at our network diagnostic centers or hospitals, as per list of tests and eligibility criteria upto 60 days of renewal policy start date.
Awards & Recognition

x