Have you faced inconvenience in using Health Insurance portability within the company and within the city?

We appreciate the concept of health insurance portability which was introduced by IRDA in October 2011. As a result a policy holder can shift from one insurance company to another insurance company within the city and within the country without losing the benefits accrued on the previous policy. Those who have shifted their policy in recent months are having a feeling of satisfaction. Compliments to IRDA the regulator on empowering the customer. However, in case of public sector companies such as National Insurance Company Ltd, The New India Assurance Co. Ltd, The Oriental Insurance Co. Ltd and The United India Insurance Co.Ltd. it is a practice that different branches of same insurance company have different TPAs even within the same city. As a result of that if the customer wants to shift from one branch to another branch even within the same city then hassles are being created because the data from the old branch or TPA has to be shifted to the new branch as well as new TPA. Lot of difficulty is being faced by the customers in this regard.


It is high time that PSUs come out with policy that either all branches of the company in the same city use the same TPA or instructions should be given to the TPA and data transfer should be immediate. This will result in removing hindrance in shifting from one branch to another.

When one can shift from one company to other then why not portability from one branch to another?

Portability of Health Insurance Policy has started on Oct 1, 2011

Today (Oct 1, 2011) is a good day as portability of Health Insurance policy has started on Oct 1, 2011

Our compliments to IRDA for bringing this change.

In case any one of you faces any difficulty please inform us or comment on this blog so that it can be taken up with concerned authorities/Insurance Companies.

We feel with a view to fulfill 45 days condition Insurance Companies should start issuing renewal notice 60 days in advance, because only then the customer can fulfill the procedural requirement.

It is then that customer can make up his mind for portability and submit the following
(a) Portability Form
(b) Portability Form

To new insurance company.

We feel Insurance companies should set up the system to issue receipt so that client can use it for reference. A clarification 15 is calendar days or 15 working days will be appreciated. We assume it is 15 calendar days.