Port Your Health Insurance Easily
#SwitchToBetter with HDFC ERGO
#SwitchToBetter with HDFC ERGO
16,000+
Cashless Providers-
No Room Rent
Capping**
Zero
Consumable Charges
#SwitchToBetter
Transfer Your Policy Hassle-Free
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16,000+
Cashless Hospitals-
No Room Rent
Capping**
Zero
Consumable Charges
3.7 Crore+
Happy Customers#
97.5% Health Claims
Payout Ratio in FY 25°
Zero
Initial Deposit^^
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24 Years
of Serving India
What is Portability?
Health Insurance Portability allows you to switch your existing health insurance policy to HDFC ERGO without losing key benefits like No Claim Bonus and waiting period credits. Regulated by IRDAI, this ensures a smooth transition with full continuity of coverage. To port your policy, simply submit a request within 45 days of your policy renewal date.
HDFC ERGO offers a wide range of plans with extensive hospital networks and fast claim processing. Portability also helps you upgrade to better coverage without starting over on waiting periods, a smart way to retain your earned benefits while choosing a plan that suits your evolving health needs.
Why Should You Port Your Existing Health Insurance with HDFC ERGO?
🧑💼 Trust of More than 3.7 Crore+ Customers
HDFC ERGO enjoys the trust of more than 3.7 Crore customers for its products and services.
🏥 16,000 Cashless Hospital Network
HDFC ERGO is tied-up with more than 16,000 hospitals across India. This helps you locate a cashless hospital easily and get your claims settled on a cashless basis.
🛌 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.
☂️ Wide Range of Plans
HDFC ERGO has a wide range of health insurance plans to choose from. From COVID cover to comprehensive indemnity and fixed benefit plans, you can find everything you are looking for under one roof.
📡 Online Process
HDFC ERGO offers digitally-enabled services so that you can buy, renew and even make a claim on your policy online. Digital services allow convenience and simplicity.
💰 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.
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Why Does Porting a Health Insurance Plan Makes Sense?
🌐You Can Get Better Coverage
If you find a better health plan offering wider coverage, porting would help you enjoy better coverage. You would be able to switch the plan and get financial security with an all-inclusive plan.
🔄You Get Continuity Benefits
The best part about portability is that you get to enjoy continuity benefits in the plan. Your coverage continues, and the waiting period is also reduced.
💸You Get a Better Premium
Portability can help you lower your health insurance premium. Different plans have different premium rates, and when you compare and find a better-priced plan which offers a better scope of coverage, you can port and save on the premium costs.
🤝You Get Better Services
When you port to an insurance company that delivers excellent customer service, you can get better post-sale services and claim-related assistance in your health insurance plan.
🎁You Can Retain Your No Claim Bonus
When you port, you get to retain your no claim bonus. The bonus gets transferred to your new health insurance policy so that you can enjoy the benefit even in the new plan.
How to Port Your Policy to HDFC ERGO Health Insurance?
Step 1 - Early Apply
Submit your porting request at least 45 days before renewal.
Step 2 - We'll Call You
Our experts will contact you, explain your options, and guide you through the porting process.
Step 3 - Share Your Details
Provide details such as current policy copy, member details, and claim history. We may ask you to undergo a health check-up.
Step 4 - Policy Issuance
Once your portability request is approved, we’ll seamlessly port your policy and you’ll enjoy coverage under HDFC ERGO Health Insurance.
Things that Can Be Ported to HDFC ERGO Health Insurance Policy
1
Sum Insured
You can port your existing sum insured to HDFC ERGO. What’s more, you can also choose a higher sum insured when you port to HDFC ERGO’s health insurance plans.
2
No Claim Bonus
The no claim bonus that you earned in the previous policy can also be ported to your HDFC ERGO health plan. This bonus can help you enjoy the benefit of not claiming your last policy.
3
Reduction in Waiting Period
Even the waiting period gets reduced when you port to HDFC ERGO. We deduct the years you have already waited out in your last policy so that you don’t repeat them with us.
What are the Documents Required for Porting?
Usually, portability does not require many documents as the process has gone online.
However, you might have to submit the following types of documents to port the policy –
✅Existing Policy Document
✅Identity Proof
✅Address Proof
✅Age Proof of insured Members
✅Duly filled & Signed Portability Form
✅Medical Documents (if needed)
✅Claim History
When can Health Insurance Portability be Denied?
Usually, HDFC ERGO does not deny health insurance portability requests. You can easily port your old plan to a new and comprehensive HDFC ERGO policy. However, in certain instances, we might deny your porting request. These instances include the following –
Scenario 1- If you provide inadequate information
Scenario 2- If you delay in making the porting request and your existing health plan has already been renewed
Scenario 3- If you have made multiple claims on your existing policy in the past
Scenario 4- If your last policy document is not available
Scenario 5- If your age exceeds the maximum age limit allowed under the new plan that you request to port to
Scenario 6- If your pre existing illness is not covered under our health insurance plan
Scenario 7- If the answers to the questions asked while porting from family floater to individual plan, are unsatisfactory
Scenario 8- If your policy has already expired
Coverage Features of HDFC ERGO Health Insurance
1️⃣ Inpatient Hospitalization
If you get hospitalized for 24 hours or more, you get covered for the hospital bills that you incur. These bills include room rent, nurses, surgeons, doctors, etc.
2️⃣ Pre & Post Hospitalization Costs
The medical expenses you incur before being hospitalized or after being discharged from the hospital are covered under the plan. Coverage is allowed for a specified number of days.
3️⃣ Ambulance Charges
If you hire an ambulance to transport you to the hospital, the cost of such an ambulance would also be covered under HDFC ERGO health insurance plans.
4️⃣ Daycare Treatments
Daycare treatments are those that do not require you to be hospitalized for 24 hours or more. Such treatments get completed within a few hours. HDFC ERGO health plans cover all daycare treatments.
5️⃣ Preventive Health Check-ups
Free preventive health check-ups are allowed under HDFC ERGO plans so that you can monitor and track your health regularly.
6️⃣ Home Healthcare
If you get hospitalized at home and are treated, the cost of such treatments would be covered under the policy.
7️⃣ Organ Donor Expenses
The cost of harvesting an organ from a donor would be covered under HDFC ERGO health insurance plans.
8️⃣ AYUSH Cover
Alternative forms of treatments are also covered under HDFC ERGO plans. You can avail of treatments through Ayurveda, Unani, Siddha, and Homeopathy forms of treatments.
9️⃣ Lifelong Renewals
HDFC ERGO health plans allow lifelong renewals so that you can enjoy uninterrupted coverage throughout your life.
Got Any Questions?
Is it possible to transfer my existing health insurance policy to another insurer?
Yes, you can transfer your health insurance policy to another company. This is called porting, and you would have to transfer your existing health plan to a new one offered by the other company that you choose to switch to.
What is the ideal time to opt for porting a health insurance policy?
There is no right time to port a health plan. You can port whenever you find a better policy that offers a better scope of coverage at a lower premium. However, remember that porting is allowed only at the time of renewal of the existing policy.
Is an extra premium required to port my health insurance policy?
No additional premium is required to port your health insurance policy. However, the premium for the new policy might change depending on the premium that the new insurance company charges.
Is it possible to port an existing group health insurance policy to an individual policy offered by another insurance company?
Yes, you can port your group health plan to an individual policy. This porting is allowed when you exit from the group and want to continue the coverage.
After how long does the porting process gets completed?
There is no fixed time. It depends on the insurers and how long they take to complete the porting process. Porting is usually done within a week or 10 days after you submit the request for the same.
Port Your Health Insurance Easily
Terms & Conditions Apply
HDFC ERGO General Insurance Company Limited. IRDAI Reg No : 146 CIN: U66030MH2007PLC177117. Registered & Corporate Office: 6th Floor, Leela Business Park, Andheri-Kurla Road, Andheri (East), Mumbai – 400 059. Trade Logo displayed above belongs to HDFC Ltd and ERGO International AG and used by the Company under license. For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale.
UIN: my: Optima Secure - HDFHLIP25041V062425
*Starting at Just ₹27/Day - Premium mentioned my:Optima Secure plan is excluding taxes with 5% online discount for a 30-year-old individual residing in 2 Tier location for sum insured of 5 lacs. Yearly premium around ₹9,855. Premium may vary as per plan opted and underwriting norms.
-16,000+ Cashless Providers as on August 2025. Please refer to the website www.hdfcergo.com for an updated network list.
°97.5% Health Claims Payout Ratio in FY’25 - Formula for Payout ratio is 'Paid claims /(Opening Outstanding claims + Reported claims - Closing Outstanding claims)' which is number of claims populated in form NL 37 to FY 25.
#3.7 Crores+ Happy Customers covers all lines of business, policyholders in motor & corporate lines, lives covered under health, PA & travel, and farmers covered crop insurance as of November 2025
^^Zero Initial Deposit available across Preferred Provider Network.
**Covers medical expenses incurred at the time of hospitalisation that include room rent at actuals.
© HDFC ERGO 2026. All rights reserved