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*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Reliance General Insurance Company offers policyholders with other insurers to opt for their preferred Reliance health insurance plan without losing the benefits accrued under their ongoing policy. This liberty is provided to everyone wishing to port to a new health plan for a better scope of coverage at a comparatively lower premium. People can make this switch approximately 45 days before their current policy's renewal date.
Here are some of the main advantages of porting to a Reliance health insurance plan:
The process of porting to a Reliance health insurance policy online is simple. Follow these steps to port to a Reliance health policy on Policybazaar.com
Step 1: Choose the Reliance health insurance policy you have planned to purchase
Step 2: Initiate a porting request with Policybazaar roughly 45 days before your current policy's expiration date
Step 3: Complete the online proposal and portability forms on Policybazaar
Step 4: Make the payment for the preferred Reliance health insurance policy
Step 5: Policybazaar will send your portability request to Reliance General Insurance Company Limited
Step 6: Reliance General Insurance will communicate with your current insurer to collect information about your claim history, medical records, etc., which otherwise is available from the IRDAI website as well.
Step 7: Your current insurer will provide all the requested information to Reliance General Insurance via IRDAI's shared data portal within 7 working days. Your portability request will be put on hold if there is any delay in data sharing from your current insurer.
Step 8: Reliance General Insurance will evaluate the documents received based on which the health insurance portability proceeds.
Look at the documents required for the Reliance health insurance portability process:
NCB accumulated under the previous policy works as per the portability scenarios.
If the insured chooses a Reliance health policy with the same base sum insured, the previous policies waiting period will continue
For instance, consider Aarya, who currently holds a health policy of Rs 4 lakh with an NCB of Rs 2 lakh. She is interested in porting to a Reliance health insurance policy that also offers coverage of Rs 4 lakh. In this scenario, the waiting periods from Aarya's previous policy will be carried forward; fresh waiting periods will not apply
If the insured opts for a Reliance health policy with a base sum insured equivalent to the previous policy's base coverage amount plus the NCB, the waiting periods of the previous policy will be sufficient.
For instance, consider Aarya, who currently holds a Rs 4 lakh health policy along with an NCB of Rs 2 lakh. Aarya is interested in porting to a Reliance health insurance policy offering coverage of Rs 6 lakh. In this case, the waiting periods from Aarya's previous policy will seamlessly carry forward, requiring no additional waiting periods. This smooth transfer is facilitated because the combined value of Aarya's base sum insured and the NCB (Rs 4 lakh + Rs 2 lakh) aligns perfectly with the sum insured of the Reliance health policy (Rs 6 lakh).
If the policyholder chooses a Reliance health policy with a higher base sum insured than the previous policy's base sum insured plus the NCB, standard waiting periods will apply for the additional coverage amount.
For instance, consider Aarya, who currently holds a health policy of Rs 4 lakh, accompanied by an NCB of Rs 2 lakh. She wants to switch to a Reliance health insurance policy providing coverage of Rs 10 lakh. In this context, the waiting periods served under Aarya's previous policy will be valid for coverage up to Rs 6 lakh. To claim the additional Rs 4 lakh, Aarya msut serve the standard waiting periods.
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