Digit Health Insurance Portability

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      Digit Health Insurance Portability

      Digit health insurance portability permits individuals holding health policies from other insurers to switch to a Digit health insurance policy. With this facility, they can retain their current renewal benefits, like the No Claim Bonus (NCB) and waiting periods, while gaining access to a policy with better benefits. The portability of a health insurance policy can be initiated around 45 days prior to the renewal date of the existing policy.

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      Benefits of Porting to a Digit Health Insurance Policy

      Switching to a Digit Health Insurance Policy offers the following key advantages:

      • Opt for Better Coverage Benefits – Policyholders insured with other health insurers can switch to a Digit health insurance policy, elevating their coverage level and accessing improved insurer services without any extra charges. For instance, porting to a Digit health insurance policy grants benefits like sum insured refill benefit, worldwide coverage, consumables cover, etc.
      • No Loss of NCB – Portability safeguards the accrued No Claim Bonus (NCB) when a policyholder switches to a Digit health policy. For instance, if the previous policy held a 15% NCB, the same will be carried forward upon porting to Digit health insurance.
      • Get Lower Premiums – Through portability, individuals can seamlessly switch to a Digit health insurance policy available for a reduced premium, especially if their existing coverage has become costly due to age or the insurer's underwriting.
      • Transfer of Waiting Periods Served – Porting a policy to Digit health insurance ensures that the previously served waiting periods are carried forward, reducing the remaining waiting time for the policyholder after porting.

      How to Port to a Digit Health Insurance Policy?

      Porting to a Digit health insurance policy has been made effortless through the online process. Here are the steps to digitally switch to a Digit health insurance policy on Policybazaar.com:

      Step 1: Select the Digit health insurance policy of your preference.

      Step 2: Initiate a porting request with Policybazaar for the chosen Digit health policy about 45 days before your current policy's expiration.

      Step 3: Complete and submit the online proposal & portability forms through Policybazaar.

      Step 4: Make the premium payment for the selected Digit health insurance policy.

      Step 5: Policybazaar will forward your porting request to Go Digit General Insurance Limited.

      Step 6: Go Digit General Insurance will connect with your existing insurer to acquire certain information, such as your claim history and medical records. Alternatively, they can also obtain these information on the IRDAI website.

      Step 7: Your current insurer is expected to give the required details to Go Digit General Insurance within 7 business days through IRDAI's shared data platform. Any delay in data sharing could delay the decision-making process for your porting request.

      Step 8: Within 15 days, Go Digit General Insurance will evaluate the received documents and determine whether to accept or reject your porting request. If no decision is intimated within this timeframe, your porting request will be automatically accepted.

      Documents Required for Digit Health Insurance Portability

      Take a look at the documents required for Digit health insurance portability:

      • Current renewal notice indicating the NCB
      • Medical records (e.g., doctor’s prescription, hospital discharge papers, etc.) if claims were made during the policy year
      • Copy of previous year's health insurance policies
      • Overview and details of past claims

      How Does NCB Work Under Digit Health Insurance Portability?

      When porting an existing policy to Digit health insurance, the accumulated NCB operates differently in distinct situations. Let's explore these scenarios in depth:

      Situation 1: If the policyholder selects a Digit health policy with the same base sum insured, the previous policy's waiting periods remain valid.

      For example, Rahul holds a Rs 7 lakh health policy with an NCB of Rs 3 lakh, and he wishes to port to a Digit health insurance policy of Rs 7 lakh. In this instance, the previous policy’s waiting periods will carry forward, granting coverage benefits without serving any extra waiting periods.

      Situation 2: When porting to a Digit health policy with a sum insured equal to the previous policy’s base sum insured plus NCB, previous waiting periods would suffice.

      For example, Rahul owns a Rs 7 lakh health policy with an NCB of Rs 3 lakh, and he intends to port to a Digit health insurance policy of Rs 10 lakh. In this case, the previous policy’s waiting periods will carry forward without serving any additional period. This is because the total of the previous policy sum insured (Rs 7 lakh) and the NCB (Rs 3 lakh) is equal to the Digit policy’s base sum insured (Rs 10 lakh).

      Situation 3: Opting for a Digit health policy with a higher sum insured than the previous health policy’s base sum insured plus NCB mandates serving waiting periods for the extra coverage amount.

      For example, Rahul possesses a Rs 7 lakh health policy with an NCB of Rs 3 lakh, and he seeks to switch to a Digit health insurance policy of Rs 15 lakh. In this scenario, the previous policy's waiting periods will suffice for coverage of up to Rs 10 lakh. However, standard waiting periods will apply to claim the extra Rs 5 lakh.

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