Portability allows you to switch from one insurer to another without making you lose your waiting period benefits earned by you in your existing policy. The waiting period is generally classified into three types:

• General waiting period
• Waiting period for pre-existing diseases
• Anytime bound exclusion (2 years waiting period for listed conditions)

for example, if you own a health insurance (X), which has a waiting period of 4 years (for a pre-existing disease) and you want to switch from X (with whom you have been insured for 3 years) to Max Bupa, then you just need to serve one more year of waiting period, to avail the benefit of pre-existing diseases with Max Bupa.

Here's the simple step by step process that will help you move to a healthier health insurance:

• Step 1. Apply for portability by filling up the portability form 45 days before the renewal for your current policy to the new insurer
• Step 2. We will contact your previous insurer to seek your medical history and claims history. All this is done within 7 working days from the receipt of the portability form along with your application form.
• Step 3. Your previous insurer will furnish your requisite data within 7 working days from the receipt of request to Max Bupa.
• Step 4. We will then communicate the decision within 15 days from the receipt of complete data from your previous insurer.

Portability can be opted by the insured only at the time of renewal by making request for portability at least 45 days prior to policy renewal date. There is no option to seek portability when the policy is ongoing (i.e. due date is greater than 45 days).

Heartbeat and Health companion

All retail policy holders with non-life insurance companies can apply to port their existing health policy to Max Bupa.