Sanjib Jha | Answer |Ask -Follow
Insurance Expert - Answered on Oct 12, 2022
I took a health policy from Max Bupa in Aug 2016 and continued renewal for 4 years until Aug 2020 post which I ported my policy to another company for a period of 2 years.
Will this be considered as 6 years of continuous renewal of my policy or will porting have an impact on the continuity period?
This period of 8 years is called Moratorium Period.
Except for proven fraud and permanent exclusions specified in the policy contract, no health insurance claim shall be contestable after the Moratorium Period expires.
The policies, however, would be subject to all policy limits, sublimits, co-payments, and deductibles.
As you have mentioned that you ported the policy after 4 years, it will not be an issue as porting is also considered continuous renewal.
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If yes, then check the policy document to know if your insurer provides claim for same person, same illness on the second claim i.e. restoration benefits.
In case, the sum insured is not exhausted then you are eligible for the second claim and I advise you to write to ombudsmen about your issue. You need to email them at complaints@irdai.gov.in (external link) with your query along with all the documents of your case.
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