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Portability is the only way for a policyholder to move their benefits and credits from one insurance company to another. It would be if it was written in the documents that the policyholder signed and if both the policyholder and the insurance company agreed to it.
There could be a lot of reasons to switch from one insurance company to another, like better returns, lifelong renewal, the ability to pay without cash, and so on.
The policy for medical insurance says that the insurance company should port the policy 45 days before the date it is due to be renewed. It also says that the process of being able to move should not take more than 60 days.
If the person uses the policy’s benefits without any gaps, they will get the continuity benefits while they are waiting.
All of these conditions have been approved by all of the policy-making bodies. Before getting permission from the authority, the rules can’t be put into place.
Besides these, the other things that are covered by this moratorium are:
Even if the policyholder buys more than one policy, he or she can still get a settlement for the cost of treatment. But there are some rules and restrictions that must be followed. When the claim is within the limits and follows the policy, the policyholder has to pay out.
In some cases, the amount to be claimed grows more than the amount covered by a single policy. The person who bought the policy can choose which insurance company to get the rest of the money from.
If the policyholder has insurance from more than one company, only the cost of treatment is paid back, and only if that’s what the policy says.
If the policyholder is found guilty of making a false claim, he or she will lose all of the money they paid in premiums. The company can keep the money even if the policyholder doesn’t know about it if the beneficiary can prove that the statement was true as far as he knows.
The policyholder has the power of attorney to cancel the policy by giving 15 days’ notice. If the policy hasn’t run out yet, the policyholder is entitled to a refund of the remaining premium.
You can also send different health insurance claims by mail, email, or fax. Since all of these things have happened, the IRDAI has also added a cashless claim. But in the end, it’s up to the policyholder to decide which way to go.
If the policy is misunderstood or there is any kind of fraud, the health insurance company can cancel it.
There is also a way to switch from one policy to another and take advantage of the benefits and services of the new policy. But the new health insurance policy should be from the same company. For the policyholder to be able to switch from an old policy to a new one, he or she must follow the rules and guidelines.
If the insurance premium isn’t paid by the due date, the insurance company can’t charge interest.
Every policyholder gets a grace period, and if they don’t pay their premium within that time, the policy can be cancelled.
Last Word!
These are some of the most important rules and terms made by the IRDAI that everyone needs to know. When looking for a health insurance plan, a person should think about these terms and be aware of the conditions.