Switching health insurance: Should you port or migrate your policy?

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Changing health insurance is something we all consider—at better benefits, lower premiums, or a new insurer we might have more confidence in. However, before you jump into a new policy, you need to understand the difference between “porting” and “migration” of a policy. Although both words are used interchangeably, they offer some significant differences that can affect your protection and benefit continuity.

What is porting in health insurance?

Porting refers to moving your health policy to a new insurer without having to forgo benefits accrued, such as waiting periods for pre-existing illnesses. If, say, you've completed two years of a four-year waiting period for pre-existing illnesses with your current insurer, you won't start have to start anew with your new insurer. You also have a choice of choosing an entirely new insurer who may have better service delivery or even better benefits.

What is migrating in health insurance?

Migration is different—it’s when you switch plans within the same insurance company. You might migrate to get higher coverage, more features, or move from an individual plan to a family floater plan. The good part? Your relationship with the same insurer continues, which often makes the process smoother. Your waiting periods and benefits carry forward here too.

Which one should you choose?

The choice depends on your needs. If you’re unhappy with your insurer’s claim service, customer support, or policy design, porting is your exit route. But if you’re otherwise satisfied and just need more coverage or flexibility, migration could be the easier option. Both options are designed to ensure you don’t lose benefits you’ve already earned.

Things to keep in mind

Both porting and migration come with some checks. Insurers have the right to review your application, medical history, and risk profile before approving the change. Premiums may also go up if you increase coverage or move to a higher-benefit plan. It’s best to start the process well before your policy renewal date to avoid lapses.

The takeaway

Health insurance is a long-term commitment, and choosing between porting and migrating can make a real difference to your future medical security. The key is to evaluate why you want to switch and whether you need a new insurer or just a new plan.

FAQs

1. Can my insurer reject a porting request?

Yes, insurers can decline a porting request based on underwriting rules, like medical history or age. That’s why it’s best to apply at least 45 days before your policy expires.

2. Do I lose waiting period benefits if I migrate?

No. Migration within the same insurer allows you to carry forward benefits, including waiting periods and continuity of coverage.

3. Is the premium always higher after porting or migrating?

Not always. Premiums may rise if you opt for higher coverage or a broader plan, but sometimes switching to a new insurer could even reduce your costs.