Health Insurance Porting Calculator — Switch Insurer, Keep Your Benefits
Calculate your savings from porting health insurance: compare current vs new insurer premiums with 10-year projection, see exactly which waiting period credits (PED, initial, specific disease) and NCB carry over under IRDAI portability rules, and get a personalised porting checklist with your 45-day deadline. Free instant results. Updated for FY 2025-26.
How to Use This Calculator
Port Savings tab
Enter your current annual premium, the new insurer's quoted premium, your sum insured, and age. The calculator shows your annual saving, monthly saving, and a 10-year premium projection assuming ~5% annual escalation. It also compares Claim Settlement Ratios (CSR) between your current and new insurer — because a cheaper premium with a lower CSR may not be a good trade.
What You Keep tab
Enter your years with current insurer, pre-existing condition (if any), and NCB percentage. The calculator shows exactly what transfers to the new insurer (PED waiting period credit, initial waiting, specific disease waiting, continuous coverage) and what does NOT transfer (features, riders, sub-limits, co-pay terms). For example: "Your 3-year diabetes waiting = 36/48 months served. Only 12 months remaining with the new insurer."
Porting Checklist tab
Select your policy renewal month and the calculator generates your personalised 45-day deadline, a step-by-step porting process, the complete documents checklist, and 8 expert tips on what to check before porting (CSR, network hospitals, room rent sub-limits, co-payment, restoration benefit, NCB treatment, day care list, and new disease waiting periods).
Share your result
Every input is encoded in the URL. Click Share to send your porting analysis to a family member, insurance advisor, or save it for reference when calling the new insurer.
Health Insurance Porting at a Glance — FY 2025-26
How Health Insurance Porting Works
Compare your current insurer with alternatives on: CSR, premium, network hospitals, sub-limits
Get quotes from 2–3 new insurers for the same sum insured
Step 2: Apply to New Insurer (45+ days before renewal)
Fill the new insurer's proposal form with porting request
Submit policy copy, claims history, PED documents, ID proof
Step 3: Data Transfer (7 working days)
New insurer requests portability data from current insurer via IRDAI portal
Current insurer MUST provide data within 7 working days (IRDAI mandate)
Step 4: Underwriting (15 days)
New insurer reviews your health data, may ask for medical tests
Issues acceptance/rejection within 15 days of receiving data
Step 5: Switch
Pay premium to new insurer before renewal date
New policy starts from the renewal date of old policy
DO NOT pay renewal premium to old insurer
Savings formula:
Annual Saving = Current Premium − New Premium
10-Year Saving = Σ(Current Premium × 1.05^n) − Σ(New Premium × 1.05^n) for n=0 to 9
Where 5% = typical annual premium escalation
Example: Priya, 35-year-old with Diabetes (₹10L Cover)
Priya is 35, has a ₹10 lakh family floater policy with Star Health at ₹15,000/year. She was diagnosed with diabetes 3 years ago (declared as PED). She got a quote from Niva Bupa for ₹10,000/year for the same ₹10L cover.
Port Savings
What Transfers
Porting Timeline
Priya ports and saves ₹5,000/year while upgrading to an insurer with ~96% CSR (from 72%). Her diabetes PED waiting credit of 3 years carries over — she only needs 1 more year for full PED coverage. The 10-year saving is over ₹62,000.
What Transfers & What Doesn't When You Port
▶ Pre-Existing Disease (PED) Waiting Period Credit — TRANSFERS
What it is: Health insurance policies typically have a 48-month (4-year) waiting period for pre-existing diseases. If you have served part of this waiting period, the credit carries over to the new insurer.
- IRDAI mandate: The new insurer MUST honour your PED waiting period credit — this is a policyholder right under IRDAI portability regulations.
- Example: If you have 3 years of continuous coverage with diabetes as declared PED, only 1 year of waiting remains with the new insurer.
- Standard waiting: 48 months (4 years) for most policies. Some policies offer shorter PED waiting (e.g., 24 or 36 months) as a feature.
- Important: The new insurer may ask for medical records proving when the PED was first declared/diagnosed.
▶ No Claim Bonus (NCB) — MAY OR MAY NOT TRANSFER
What it is: NCB is a bonus (usually increased sum insured or premium discount) for each claim-free year. Unlike PED credit, NCB transfer is NOT mandated by IRDAI.
- Not guaranteed: IRDAI does not mandate NCB portability. Each insurer has its own NCB transfer policy.
- Treatment varies: Some insurers honour NCB as increased sum insured, some as premium discount, some do not transfer at all.
- Tip: Ask the new insurer about NCB treatment IN WRITING before you commit to porting.
- Typical NCB: 5% to 50% cumulative increase in sum insured for claim-free years (varies by insurer and policy).
▶ Features, Riders & Sub-Limits — DO NOT TRANSFER
What it is: Policy-specific features, riders, and terms are unique to each insurer's product. They do NOT carry over when you port.
- Room rent sub-limits: Your current policy may have no room rent limit, but the new policy might cap it at 1% of sum insured.
- Co-payment clauses: The new policy may require 10–20% co-pay that your current policy doesn't.
- Riders: Critical illness rider, personal accident rider, maternity rider — must be bought fresh.
- Restoration benefit: One insurer may restore sum insured after a claim, another may not.
- OPD cover: If your current policy covers outpatient expenses, the new one may not.
- Day care procedures: The list of covered day care procedures varies widely between insurers.
▶ Claim Settlement Ratio (CSR) — Key Metric to Compare
What it is: CSR is the percentage of claims settled by an insurer out of total claims received. Published annually by IRDAI.
- Top CSRs (approx): Niva Bupa ~96%, HDFC ERGO ~93%, Tata AIG ~91%, Care Health ~90%
- Lower CSRs: Star Health ~72% (high volume, high rejection rate)
- Why it matters: Higher CSR = lower chance of claim rejection. A cheap policy with low CSR may cost you lakhs at claim time.
- Source: IRDAI Annual Report 2023-24 (approximate figures, check latest report for current data).
- Tip: CSR alone isn't enough — also check the insurer's incurred claims ratio and average claim amount.