Planning to port your health insurance policy? Important challenges you should consider before switching...

Health insurance portability allows policyholders to switch insurers while retaining coverage benefits.

Policyholders should review portability timelines, as a port request must be made at least 45 days before policy renewal.

Pre-existing disease waiting periods may reset or require fresh evaluation when porting to a new insurer.

Ensure no claim history gaps, as insurers may impose additional waiting periods for pre-existing conditions.