New India Assurance Health Insurance Portability

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      New India Assurance Health Insurance Portability

      The New India Assurance Co. Ltd. offers Health Insurance Portability option to those who want to switch from their current health plan for better coverage options and to keep the accumulated benefits intact. To port health insurance, inform the new insurer around 45 days before the existing health insurance policy is near the lapse date.

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      Benefits of Porting to a New India Assurance Health Insurance Policy

      The following are some of the benefits of porting to a New India Assurance Health Insurance Policy:

      • Wider Scope of Coverage: Policyholders from other health insurance companies can port to a New India Assurance health insurance plan without paying any additional costs. They can also avail better coverage benefits and improved services after porting. For example, policyholders can port to a New India Assurance health insurance policy to get maternity cover, global health cover, new age-treatment cover, etc.
      • Reduced Premium Cost: Health insurance portability allows policyholders to port to a New India Assurance Health Insurance Plan with the same features as their current plan but at a lower premium. It is advantageous when their existing policy with the same coverage has become too costly due to age or underwriting by their insurance company.
      • Continued Waiting Period: After porting to a New India Assurance health insurance plan, the waiting periods for all the claims, specific illnesses, maternity claims etc. are carried forward. If someone has served a waiting period of 1-year of the total 2-years for maternity claims then the same is considered in the newly switched health plan.
      • Cumulative Bonus: While porting a New India Assurance policy, the accumulated NCB under the previous policy is counted as well. For example, if the previous policy's NCB was 50%, the same will apply to the New India Assurance health insurance policy.

      How to Port to a New India Assurance Health Insurance Policy?

      Porting to a New India Assurance health insurance policy is much easier online. Check out the steps given below to port to a New India Assurance health insurance policy on Policybazaar.com

      Step 1: Choose the New India Assurance Health Insurance Plan as per your preference.

      Step 2: Submit a request to Policybazaar around 45 days before your current policy expires.

      Step 3: Fill in the details, complete the online proposal and portability forms, and send these forms to Policybazaar.

      Step 4: Make the payment of the premium for the final New India Assurance health insurance plan chosen by you.

      Step 5: Policybazaar will now forward your request for portability to 'The New India Assurance Co. Ltd.'

      Step 6: Following that, 'The New India Assurance Co.' will contact your current insurer to collect information about your claim history, health records, and other pertinent information. This information is made available on the IRDAI website as well.

      Step 7: Your current insurance provider will send the New India Assurance all the information they need via the IRDAI's shared data portal within 7 working days. If your current insurer takes too long to share the data, the decision on your portability request will be delayed even more.

      Step 8: Finally, New India Assurance will decide within 15 days of your portability request based on the documents received. Your request for portability will be automatically approved if no decision is made within this time frame.

      Documents Required for New India Assurance Health Insurance Portability

      For New India Assurance health insurance portability, the following documents are required:

      • A copy of the previous year's medical insurance policies
      • Medical documents such as hospital discharge certificates, test results, etc., in the event of claims
      • Information on previous policies' claim history
      • The most recent renewal notice in which the NCB is clearly stated

      How Does NCB Work Under New India Assurance Health Insurance Portability?

      The NCB accumulated under the previous policy is adjusted as per the circumstances during portability. Let us take a closer look at each of these scenarios:

      Scenario 1: If the applicant selects a New India Assurance policy with the same sum insured, the last policy's waiting periods will be sufficient.

      Let us take Chirag’s case, who wishes to port to a New India Assurance Insurance Policy with a Rs. 6 lakh sum insured. He currently has a policy of Rs. 4 lakh along with NCB of Rs. 4 lakh with another insurer. The waiting periods from the last policy apply in this scenario, enabling him to use the coverage benefits without having to serve any additional waiting periods.

      Scenario 2: If the policyholder ports to a New India Assurance health policy with a base SI (sum insured) equal to the base SI of the last policy along with the NCB, the waiting periods remain in effect.

      Now, Chirag has a Rs 6 lakh health policy with a Rs 4 lakh NCB and wishes to port it to a Rs 10 lakh New India Assurance health insurance policy. In this case, the previous policy's waiting periods will be carried forward without additional waiting periods. This is possible because the previous policy's base SI, Rs 6 lakh, and the NCB, Rs 4 lakh, are equal to the New India Assurance health policy's base SI, Rs 10 lakh.

      Scenario 3: If the policyholder chooses a New India Assurance health policy with an increased base sum insured compared to the previous health policy's base SI and the NCB, the additional coverage amount will be subject to waiting periods.

      Suppose if, Chirag has a Rs 6 lakh health policy with a Rs 4 lakh NCB and wishes to port it to a Rs 15 lakh New India Assurance health insurance policy. In this case, the waiting periods from the previous policy will be sufficient for a coverage amount of Rs 10 lakh. However, standard waiting periods must be served to claim the additional Rs 5 lakh.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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