Liberty Health Insurance Portability

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      Liberty Health Insurance Portability

      Policyholders with other insurers can switch to a better Liberty health insurance policy, unlocking new coverage benefits while retaining ones accrued from the previous policy. Anyone planning to port from their current health plan can initiate the porting process with Liberty Health Insurance around 45 days before the policy renewal.

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      Benefits of Porting to a Liberty Health Insurance Policy

      Here are some of the key advantages associated with porting to a Liberty health insurance policy:

      • Have no effects on Waiting Periods:  The primary benefit of health insurance portability is you can switch to a better health insurance plan without your waiting period getting affected. The policyholders must serve only the remaining waiting periods after porting to a Liberty health insurance policy.
      • Better Policy Benefits:  Individuals insured by other health insurers can opt for a Liberty health policy to enhance their scope of coverage and access better services from the insurance provider without incurring additional charges. For instance, individuals can port to a Liberty health insurance policy for unlimited restoration, yearly health check-ups, OPD coverage, and more.
      • Can Choose a Better Premium Plan:  Through portability, individuals can effortlessly switch to a Liberty health insurance policy with reduced premiums, particularly if their current policy with similar coverage has become costly due to factors like age or the insurer's underwriting.
      • Retain NCB:  The portability feature ensures that the accumulated No Claim Bonus (NCB) remains intact when policyholders port to a Liberty health insurance policy. For instance, if the NCB under the previous policy is 35%, the same percentage continues to the Liberty health insurance policy.

      How to Port to a Liberty Health Insurance Policy?

      Porting to a Liberty health insurance policy online is quite straightforward. The steps for porting to a Liberty health insurance policy on are given below:

      Step 1: Choose the Liberty health insurance policy you intend to purchase.

      Step 2: Raise a porting request with Policybazaar around 45 days before the expiry date of your existing policy, indicating your preference for a Liberty health policy.

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

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

      Step 5: Policybazaar will transmit your portability request to Liberty General Insurance.

      Step 6: Liberty General Insurance will contact your current insurer to procure pertinent details such as claim history, medical documentation, etc. This information may also be accessed from the IRDAI website.

      Step 7: Within 7 business days, your current insurer will share the requested information with Liberty General Insurance through IRDAI's common data-sharing portal. Any delays in data sharing could result in keeping your porting request on hold.

      Step 8: Liberty General Insurance will evaluate the documents received within 15 days to accept or decline your porting request. If there is no decision within this timeframe, your portability request will be automatically accepted.

      Documents Required for Liberty Health Insurance Portability

      Refer to the list of documents necessary for porting to Liberty Health Insurance:

      • The latest renewal notice prominently displaying the NCB
      • Comprehensive claim history details from previous policies
      • Relevant medical documents, including hospital discharge certificates, test reports, etc., in case of claims
      • Copy of the previous year's medical insurance policies

      How Does NCB Work Under Liberty Health Insurance Portability?

      The accumulated No Claim Bonus (NCB) works differently when an existing policy is ported to Liberty health insurance, contingent on specific scenarios. Let us explore each of these scenarios to gain a comprehensive understanding:

      Scenario 1: When the policyholder selects a Liberty health insurance policy with the same base sum insured, the waiting periods from the preceding policy will be sufficient.

      For example, Ashwin, who holds a Rs. 12 lakh health policy with an NCB of Rs. 6 lakh. If he chooses to port to a Liberty health insurance policy of Rs. 12 lakh, the waiting periods from his previous policy will be counted. This enables him to leverage coverage benefits without serving additional waiting periods.

      Scenario 2: In scenarios where the policyholder ports to a Liberty health policy with a base sum insured equivalent to the sum of the previous policy's base sum insured and the NCB, the waiting periods of the previous policy will suffice.

      For instance, Ashwin who possesses a Rs. 12 lakh health policy with an NCB of Rs. 6 lakh. If he decides to port to a Liberty health insurance policy of Rs. 18 lakh, the waiting periods from his previous policy also count. This outcome is because the combined value of the previous policy's base (Rs. 12 lakh) and the NCB (Rs. 6 lakh) equals the Liberty health policy's base sum insured (Rs. 18 lakh).

      Scenario 3: When the policyholder opts for a Liberty health policy with a higher base sum insured than the cumulative value of the previous health policy's base and the NCB, waiting periods apply to the additional coverage amount.

      For example, Ashwin, who possesses a Rs. 12 lakh health policy with an NCB of Rs. 6 lakh. Suppose he decides to port to a Liberty health insurance policy of Rs. 25 lakh. In that case, the waiting periods served under the previous policy will be sufficient for Rs. 18 lakh coverage. However, standard waiting periods must apply to claim the additional Rs. 7 lakh.


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