Why Your Health Insurance Port Can Be Rejected?

by Reshma Sharmaa Medical Services

Are you insured with the best health insurance plan? Have you ever compared your existing plan with other plans offered by different providers? It would help if you did this to determine whether you are paying for the right health care services and benefits.

 

If you encounter a situation where your health insurance plan is not offering you satisfactory services, you can prefer porting. But do you know what porting is and how to port health insurance?

Porting in health insurance means transferring your existing health insurance plan to another provider. The process is quite simple as you need to do a few formalities for transferring your plan. There are several reasons why people prefer porting: service issues, premium hikes, claim settlement delays, and others.

 

Five reasons why porting your health insurance can be rejected

Do you know your health insurance port can be rejected? There are several reasons why a health care company might do so, some of which are below.

 

1. Requesting after the timeline
   
   

Have you heard of the phrase 'Time and tide wait for none'? Similarly, the case is in porting your health insurance. An insured receives a set timeline under which you must decide, plan, and proceed with further procedures. This is because the new insurer might require time to process your application, verify, and complete other formalities. So, if you fail to apply under a specific timeline, the insurer might reject your porting application.

 

2. Eligibility criteria
   
   

Is there a set eligibility criterion for every health insurance company? At different companies, the entry age differs from each other. You must declare your age so the new insurer can offer you specific suitable plans. This can help in avoiding rejection.

 

3. Policy's expiration of your existing policy
   
   

Have you noted the policy's expiration date? If you haven't, you must check it to know when you can enjoy the best health care solutions and other perks from an existing plan. In the case of porting, you are only eligible for the same when your existing policy's expiration date is far away. Or else, you may not be able to port your health insurance plan, nor will you be able to enjoy the cumulative bonuses.

 

4. Claim history
   
   

The claim history of an insured plays a vital role in the porting process. When you apply for porting your health insurance plan, the insurer tries to dig in and find out your claim history. If they notice that you have filed several claims, they consider it risky. In such cases, the insurer can reject your request to port your existing health insurance plan.

 

5. False or missing information
   
   

Do you know how to port health insurance policies? If you don't, then you must seek a piece of detailed information about the same. Because if you miss providing any specific information while porting, there are chances of getting rejected. Not only this, if you provide false information to the insurer, they might reject you once they know the reality.

 

Conclusion

Do you know how to port medical insurance policies? If not, then you can find a piece of detailed information on the same on Livlong's website. Livlong is a healthcare company that provides various health insurance plans, and other services like doctor consultations, lab tests, wellness packages, etc.

So, stop looking for the best insurance policy here and there, instead visit the company's site and apply online to enjoy various advantages of health insurance policies.

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Created on Feb 27th 2023 00:04. Viewed 88 times.

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