Switch Health Insurance Providers in India Easily in 2025
Switch Health Insurance Providers in India to improve coverage, reduce premiums, or get access to a better hospital network. Thanks to IRDAI’s health insurance portability rules, you can switch providers without losing your waiting period credits or No Claim Bonus (NCB).
If your current insurer offers limited benefits, slow claim settlement, or high renewal premiums, switching to a better provider can save money and provide enhanced health protection.
🏥 Why Switch Health Insurance Providers?
In 2025, policyholders consider switching insurers for several reasons:
- High Renewal Premiums – Rising costs make older policies expensive.
- Limited Coverage – Old plans may exclude modern treatments like robotic surgeries or AYUSH.
- Poor Claim Experience – A small cashless hospital network or claim delays can be frustrating.
- Better Options Available – Newer plans include telemedicine, wellness benefits, and OPD coverage.
🔗 Internal Link: How to Choose the Best Health Insurance for Your Family in India (2025 Guide)
Switching gives you modern benefits and peace of mind without restarting your insurance history.
🔄 IRDAI Health Insurance Portability
The Insurance Regulatory and Development Authority of India (IRDAI) allows policy portability, which means:
- ✅ You retain No Claim Bonus (NCB).
- ✅ Waiting period credits for pre-existing conditions are transferred.
- ✅ Your policy continuity is maintained with no coverage gaps.
🔗 External Link: IRDAI Health Insurance Portability Guidelines
🧾 Step-by-Step Guide to Switch Health Insurance Providers in India
1️⃣ Review Your Current Policy
- Check your sum insured, waiting periods, and exclusions.
- Identify what you want to improve in the new plan.
2️⃣ Compare New Health Insurance Plans
- Compare plans on Policybazaar, Coverfox, or BimaTalk.
- Look for wider hospital networks, cashless facilities, and higher claim settlement ratios.
- Consider plans offering OPD, wellness, and preventive health check-ups.
3️⃣ Apply for Portability 45 Days Before Renewal
- Submit your portability request to the new insurer.
- Provide existing policy details, ID proof, and medical history.
- The new insurer coordinates with your current insurer via IRDAI’s portal.
4️⃣ Complete Medical Checks if Required
- Some insurers require medical tests for higher coverage or older applicants.
- Your premium may be adjusted based on your health assessment.
5️⃣ Get Approval and Continue Coverage
- Once approved, your new insurer issues the policy.
- No coverage gaps occur if the switch is done before policy expiry.
💡 Tips to Switch Health Insurance Smoothly
- ✅ Start the process 45–60 days before renewal.
- ✅ Do not let your current policy lapse, or your NCB and waiting periods may reset.
- ✅ Check claim settlement ratios of potential insurers for peace of mind.
- ✅ Consider riders like critical illness, hospital cash, and maternity coverage.
- ✅ Verify cashless hospital network to avoid surprises during hospitalization.
❓ Frequently Asked Questions (FAQ)
Q1: Can I switch health insurance anytime?
A: No. IRDAI requires you to apply 45 days before your renewal date for smooth portability.
Q2: Will I lose my waiting period benefits if I switch?
A: No. IRDAI portability ensures your completed waiting periods are credited to your new policy.
Q3: Do I need medical tests to switch insurers?
A: Only if your age, sum insured, or health condition require evaluation. Younger applicants often skip tests.
Q4: Can I increase my sum insured while switching?
A: Yes, but the additional sum insured will have a fresh waiting period.
Q5: Does portability affect my No Claim Bonus (NCB)?
A: No. Your NCB transfers to the new insurer, helping you maintain premium discounts.
📌 Final Thoughts
Switch Health Insurance Providers in India in 2025 to upgrade your coverage and save on premiums without losing your policy benefits.
Follow these steps:
- Compare policies online
- Apply 45 days before renewal
- Confirm claim ratios and hospital networks
A timely switch ensures continuous protection and smarter financial health for your family.
Last Updated on August 15, 2025 by Singh sumit
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