Tata AIG Health Insurance Portability

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      Tata AIG Health Insurance Portability

      Portability is a convenient feature offered by Tata AIG General Insurance Company Limited, allowing policyholders from other insurance providers to transfer their ongoing insurance to Tata AIG Health Insurance plans. This seamless process enables individuals to avail of better coverage benefits and services without losing any accumulated advantages like NCB. Customers can initiate the porting process around 45 days before their existing policy's renewal date.

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      Benefits of Porting to a Tata AIG Health Insurance Policy

      Porting to a Tata AIG Health Insurance Policy has numerous advantages, providing policyholders with enhanced coverage and services. Here are some key benefits:

      • Opt for Better Coverage Benefits - Policyholders from other health insurers can port their policy to Tata AIG health insurance plans and enjoy enhanced coverage benefits and add-ons without incurring any additional charges. For instance, individuals can switch to Tata AIG health insurance to access benefits like Preventive health check-ups, Air ambulance service, domiciliary treatment, Consumables benefits and AYUSH treatment, among others.
      • Get Lower Premiums - Portability allows policyholders the opportunity to switch to a Tata AIG health insurance plan with lower premiums, especially if their existing policy with similar coverage has become expensive due to factors such as age or changes in the insurer's underwriting policies.
      • Retention of NCB - With the portability feature, policyholders can retain their accumulated No Claim Bonus without any loss when switching to Tata AIG health insurance. If the NCB under the previous policy is, for instance, 30%, it will be carried forward to the Tata AIG health insurance policy.
      • Transfer of Waiting Periods- One of the significant benefits of porting to Tata AIG health insurance policy is the seamless transfer of waiting periods served under the previous policy. This means that policyholders will only have to complete the remaining waiting periods after porting, enabling them to access coverage more quickly.

      How to Port to a Tata AIG Health Insurance Policy?

      Porting to a Tata AIG health insurance policy is now more accessible with online portability facilities. Below are the steps to successfully port to Tata AIG health insurance policy throughPolicybazaar.com:

      Step 1: Choose the Tata AIG health insurance policy that best suits your requirements.

      Step 2: Initiate a portability request with Policybazaar around 45 days before your current policy's expiry date, expressing your intention to switch to the desired Tata AIG health policy.

      Step 3: Fill out the online proposal and portability forms accurately and submit them to Policybazaar.

      Step 4: Pay the premium for the Tata AIG health insurance policy you wish to port to.

      Step 5: Policybazaar will forward your portability request to Tata AIG General Insurance Company.

      Step 6: Tata AIG General Insurance will then contact your existing insurer to obtain relevant details about your claim history, medical records, and other necessary information, IRDAI website can be referred for the same.

      Step 7: Your current insurer will provide all the requested details to Tata AIG General Insurance through IRDAI's common data-sharing portal within 7 working days. Any delay in data sharing by your existing insurer may result in a hold on the portability request.

      Step 8: Tata AIG General Insurance Company will evaluate the received documents and accept or reject your portability request within 15 days. If there is no response from the insurer within this period, your portability request gets approved in an automated manner.

      Documents Required for Tata AIG Health Insurance Portability

      For a smooth portability process, the insurance provider requires following documents:

      • Latest renewal notice with clear mention of the No Claim Bonus (NCB)
      • Copy of the medical insurance policies from the previous year
      • Medical documents, such as hospital discharge certificates, test reports, etc., in case of claims
      • Detailed information about the claim history in the previous policy claims

      How Does NCB Work Under Tata AIG Health Insurance Portability?

      When porting an existing policy to Tata AIG health insurance, the No Claim Bonus (NCB) accumulated under the previous policy operates differently under various scenarios. Let us explore each of these scenarios in detail:

      Scenario 1: If the policyholder chooses a Tata AIG health policy with the same base sum insured, the waiting periods from the previous policy will be considered.

      For example, Arun has a Rs 15 lakh health policy with an NCB of Rs 4 lakh and wants to port to a Tata AIG health policy of Rs 15 lakh. In that case, the waiting periods from the previous policy will be carried forward, and no additional waiting periods will be required.

      Scenario 2: When opting for a Tata AIG health policy with a sum insured equal to the previous policy's sum insured plus NCB, the waiting periods will be carried forward.

      For example, if Arun's previous policy has a sum insured of Rs 15 lakh with an NCB of Rs 5 lakh, and he wishes to switch to a Tata AIG health policy with a sum insured of Rs 20 lakh, he won't face any additional waiting periods. This is because the combined sum insured of his previous policy and NCB equals the sum insured of the newly selected Tata AIG health policy.

      Scenario 3: If the policyholder chooses a Tata AIG health policy with a higher base sum insured than the combined base sum insured of the previous policy and the NCB, then standard waiting periods will apply for the additional coverage amount.

      For example, if Arun has a Rs 7 lakh health policy with an NCB of Rs 7 lakh and desires to port to a Tata AIG Health Insurance policy of Rs 20 lakh, the waiting periods served under the previous policy will be sufficient for the coverage amount of Rs 14 lakh. However, to claim the additional Rs 7 lakh, standard waiting periods would apply.

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