When individuals seek to port their health insurance coverage to a new insurer, they often hope for a seamless transition and improved health insurance benefits. However, it is essential to recognize instances where a new insurer may reject the application. Understanding the reasons behind such rejections is crucial to navigate the process effectively and make informed decisions. 

This article explores six common reasons a new insurer may reject an individual’s application for porting health insurance coverage.

Every request for porting is handled like a brand-new insurance application and is subject to underwriting and risk acceptance. Therefore, the proposal will be turned down if you have a medical condition or pre-existing disease that does not meet the new insurer’s risk threshold.

  • 1. Claim History

If you, as the applicant, have filed multiple claims in the last few years and are in poor health, your proposal is unlikely to be approved.*

  • 2. Non-Disclosure / Wrong Information

People mistakenly believe that because porting involves a change in policy rather than a new one, they do not need to update their medical history. If the medical status listed on the proposal form differs from the condition discovered during a medical examination, this may cause rejection. Similarly, it may be accepted if any other information matches what the new insurer has provided.*

  • 3. Lapses Or Gaps

The new insurer will not accept your proposal if your previous policy has gaps in renewal, has expired, or does so during the porting process.*

  • 4. Technicalities

Your proposal may not be accepted if you do not adhere to the porting timeline and procedures, such as delaying the start of porting, failing to provide documents on time, skipping medical check-ups, or declining to take calls.*

  • 5. High Sum Insured

Suppose you request a very high sum insured compared to your previous policy. In that case, the insurer might reject it because they think it indicates a higher health risk or impending problems, especially if you’ve recently filed a claim.*

  • 6. Age

The application may be rejected if the customer’s age does not fall within the range allowed by a particular plan or if the customer is a senior citizen over 70. The co-payment and loading fees will be extremely high even if the insurer grants the porting request.* 

When considering porting health insurance coverage to a new insurer, it is crucial to be mindful of the potential reasons that may lead to rejection. These reasons can vary depending on each insurance company’s specific policies and guidelines. Common factors that could result in denial include pre-existing medical conditions, age limitations, incomplete documentation, non-disclosure of information, policy exclusions, and financial instability. Individuals should thoroughly understand and address these factors while navigating the insurance application process to enhance the likelihood of a successful porting process. Doing so can maximise their chances of obtaining the desired health insurance coverage from a new insurer.

*Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

By lita

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