Tips To Avoid Rejection Of Your Health Insurance Porting Request

Juliet D'cruz

Updated on:

Tips To Avoid Rejection Of Your Health Insurance Porting Request

In the wake of COVID-19, a significant number of people are choosing to switch their health insurance policies and Mediclaim policy, looking for insurers that offer better options, more hospitals to choose from, and faster claim settlements. However, it’s important to understand the potential challenges and problems that can come up when switching. One big concern is the possibility of being rejected by the new insurance company. Rejections can happen for different reasons, so it’s crucial to be well-informed and take steps to avoid them. This blog aims to provide helpful tips for successfully switching your health insurance policy, ensuring a smooth transition and continued coverage for your healthcare needs.

10 Tips to avoid rejection of health insurance porting request

  • Understand the Porting Process

It’s crucial to clearly understand the porting process to prevent the rejection of your health insurance porting request. Firstly, you need to apply to the new insurance provider at least 45 days before the renewal date of your existing policy. This ensures ample time for the transfer of your policy. Additionally, you should gather all the necessary information required to initiate the porting process, such as policy details, previous medical history, and claim records. Following the prescribed timeline and providing accurate information increases the chances of a successful porting request and minimises the risk of rejection.

  • Disclose Pre-existing Conditions

One of the key reasons for the rejection of a porting request is the failure to disclose pre-existing conditions. It’s essential to be transparent and provide complete information about your pre-existing health conditions to the new insurer. By honestly disclosing your pre-existing conditions, you allow the new insurer to assess the risk accurately and make informed decisions. 

  1. Understanding and fulfilling waiting periods is essential to avoid rejection of your health insurance porting request. Waiting periods refer to the specific duration during which the insurance policy does not cover certain treatments or conditions. It is easier to port if you have fulfilled previous waiting periods. 

Check Age Limits and Policy Exclusions

Different insurers may have age limits for porting policies, meaning they may reject your request if you exceed the specified age limit. Therefore, it is crucial to understand and comply with the age criteria set by the new insurer. 

Additionally, carefully review policy exclusions, which are specific conditions or treatments not covered by the insurance policy. Familiarise yourself with the exclusions to ensure your porting request is not rejected based on these factors. 

  • Keep Premium Payments Up to Date

It is crucial to maintain timely premium payments. If you fail to pay the premium due on your existing policy on or before the premium date or within the grace period provided by the insurer, it can be considered a break in the plan. In such cases, the new insurer may reject your porting request. By staying up to date with premium payments, you demonstrate financial responsibility and increase the chances of a successful porting request. Visit for more information on available plans

  • Compare Premium Rates

When considering health insurance porting, comparing premium rates offered by different insurers is vital. Premium rates can vary significantly among insurers, and choosing the right one is essential for obtaining the best deal. Compare the premiums the new insurer offers with your current insurance provider to ensure you get adequate coverage at a reasonable price. By conducting a thorough comparison, you can make an informed decision and reduce the risk of rejection due to unaffordable premiums or inadequate coverage.

Click Here – Preparing for Retirement: Investing Tips and Tricks

  • Review Hospital Network

Review the hospital network of the new insurer. Check if the new insurer covers your preferred hospitals or doctors. This ensures easy access to quality healthcare without limitations or inconvenience. By confirming the network of hospitals, you can avoid unpleasant issues and ensure uninterrupted care. With ICICI Lombard’s Anywhere Cashless hospitalisation, you can get treatment at any hospital you choose without any limitation of staying in-network. 

  • Understand Renewal Process

Understanding the new insurer’s renewal process is crucial to prevent the rejection of your health insurance porting request. Different insurers may have other renewal procedures, so evaluating and comprehending them correctly is important. Look for an insurer with an easy and hassle-free renewal process, including online renewal options and minimal documentation requirements. By understanding the renewal process, you can avoid any unexpected complications or difficulties when renewing your health insurance policy with the new insurer. 

  • Keep Documentation in Order

You must keep your documentation in order. Different insurers may require specific documentation during the porting process, such as previous policy documents, claim records, and medical reports. Ensure that you gather and maintain all the necessary documents accurately and systematically. Incomplete or missing documentation can lead to the rejection of your porting request.  

  • Evaluate the Claim Settlement Ratio (CSR)

When considering health insurance porting, evaluating the new insurer’s health insurance claim settlement ratio is crucial. The CSR represents the percentage of claims an insurer has successfully settled out of the total claims received. A higher claim settlement ratio indicates a more efficient and reliable insurer in terms of honouring claims and providing timely settlements. 


In the world of health insurance and Mediclaim policy, it is crucial to understand the porting process and take proactive steps to avoid rejection and ensure a smooth coverage. You can navigate porting effectively by knowing the timeline, disclosing pre-existing conditions, completing waiting periods, and paying premiums on time. Additionally, compare premium rates, review hospital networks, understand renewal processes, and assess health insurance claim settlement ratio to make informed choices. These tips help protect your interests, secure comprehensive coverage, and minimise the risk of rejection when porting your health insurance policy.