PORT-Your Health Insurance Policy

PORT-Your Health Insurance Policy

Total Cover

100% Claim Settlement






View Prices

Total Cover

100% Claim Settlement





Our Proud Partners - Beemawala

Client Testimonials​

Prakhar Srivastava
2 months ago
They guided me through the intricacies of various insurance options, ensuring I fully understood each policy's coverage and benefits. Their transparency and willingness to address all my concerns instilled a sense of trust and confidence in their services.
punitchibber chibber
2 weeks ago
Good service whenever we call to them they give positive response i have a claim they support and my claim got settled
Agam Kansal
2 weeks ago
Brilliant place for all types of insurance. Always connected with every claim settlement.. Hassle free.. Kudos to beemawala..
rahul goyal
6 months ago
Beemawala and team is a best Company for take any type of insurance. They support and take care of your claim . Thanks a lot for your support of my claims many times .
Devyani Kharbanda
2 years ago
Shantanu is professional and very prompt in responding to my questions. I’m a repeated client and he’s been supportive throughout. I highly recommend his services. I wish him and his team good luck for future.

What is PORT-Your Health Insurance Policy?

Porting your health insurance policy involves transferring your existing health insurance plan from one insurance company to another while retaining the accumulated benefits like waiting period, NCB, and more. It allows you to switch to a different insurer without losing continuity of coverage. This process ensures that you continue to enjoy the benefits accrued under your previous policy while benefiting from potentially better features and services offered by the new insurer. Porting can be beneficial if you’re dissatisfied with your current insurer or if you find a policy that better suits your needs with another company.

⛦ Example Scenario: Ramesh had an existing health insurance policy with his current insurer. However, he noticed that there were many clauses that resulted in deductions from his claim amount. He learned about porting and decided to switch his policy to a different insurance company that offered a policy with better terms, including no deductions on claims.

How Porting Helps Ramesh:
By porting his policy to the new insurance company, Ramesh can enjoy several benefits:
1. No Deductions: The new policy he is considering has no deductions on claim amounts. This means that when he makes a claim, he will receive the entire claim amount without any deductions, ensuring he gets the full benefit of his policy coverage.
2. Better Terms: The new policy has terms and conditions that are more favorable to him, providing him with better coverage and benefits compared to his old policy.
3. Continuity of Coverage: Porting allows Ramesh to retain the benefits he has already accumulated under his old policy, such as waiting periods, no-claim bonus (NCB), and other advantages. He doesn’t lose the benefits he has earned over time.
4. Improved Claim Experience: With the new policy, Ramesh can expect a smoother and more transparent claim settlement process, without the hassles of deductions that he faced with his previous insurer.

In summary, porting his health insurance policy enables Ramesh to switch to a new insurer that offers better terms and conditions, including no deductions on claims. This move ensures that he can fully utilize his policy coverage without any financial setbacks due to deductions, providing him with peace of mind during medical emergencies.

Document needed in Porting your Extisting Health Insurance Policy

When porting your existing health insurance policy, the following documents are typically required:

Portability Form

A duly filled and signed portability form provided by the new insurance company.

Proposal Form

A proposal form for the new policy, which collects your personal and health-related information.

Previous Policy Details

Details of your existing health insurance policy, including policy number, insurer’s name, and policy term.

Claim History

A claims history statement from your current insurer, indicating the claims made and the claim settlement details.

Health Declaration

A health declaration form or questionnaire, providing your current health status and any pre-existing conditions.

Medical Reports

If required, recent medical reports, test results, and doctor’s certificates to assess your health condition.

ID Proof

A copy of your identity proof, such as Aadhaar card, PAN card, or passport.

Address Proof

Proof of your current residential address, such as a utility bill or rental agreement.

Age Proof

Proof of your age, such as a birth certificate or school leaving certificate.
Photographic Evidence


Passport-sized photographs of the insured members.

NCB Proof

If applicable, proof of any No-Claim Bonus (NCB) earned under your existing policy.

Porting Request Letter

A letter requesting porting of your policy to the new insurer.

Coverages of Under PORT-Your Health Insurance Policy

Hospitalization Expenses:

Coverage for expenses related to hospital stays, room charges, nursing care, and intensive care unit (ICU) charges.

Medical Treatment:

Coverage for medical treatments, including doctor’s consultations, diagnostic tests, surgeries, and medical procedures.

Day Care Procedures

Coverage for medical procedures that don’t require an overnight hospital stay, such as dialysis, chemotherapy, and cataract surgery.

Pre and Post Hospitalization

Coverage for medical expenses incurred before and after hospitalization, including doctor visits, medication, and diagnostic tests.

Ambulance Charges

Coverage for ambulance services required during medical emergencies or hospital transfers.

Cashless Hospitalization

Facility to avail cashless treatment at network hospitals, where the insurance company settles the bills directly with the hospital.

Emergency Medical Care

Coverage for emergency medical care needed due to accidents or sudden illnesses.

Maternity Expenses

Coverage for maternity-related medical expenses, including prenatal and postnatal care, delivery charges, and newborn care.

Organ Transplants

Coverage for medical expenses related to organ transplantation, including surgery and post-operative care.

Room Rent

Coverage for room rent charges during hospitalization, subject to policy terms and conditions

Alternative Treatments

Some policies may offer coverage for alternative treatments like Ayurveda, Homeopathy, and Naturopathy.

Domiciliary Hospitalization

Coverage for medical treatments done at home due to the non-availability of a hospital room

Critical Illness

Optional coverage for critical illnesses like cancer, heart attack, stroke, and kidney failure, providing a lump sum benefit upon diagnosis.

Ambulatory Care

Coverage for procedures that don’t require hospitalization, such as dental treatments, eye examinations, and vaccinations.

Health Check-ups

Some policies provide coverage for routine health check-ups and preventive screening

No Claim Bonus (NCB)

Reward for not making any claims during the policy term in the form of increased sum insured or reduced premium.

Add-on Riders

Additional coverages that can be added to the policy, such as accidental injury cover, maternity cover, and critical illness cover.
It’s important to note that the coverages can vary based on the type of health insurance policy, the insurance provider, and the chosen plan. Policyholders should carefully review the policy documents and terms to understand the specific coverages and exclusions applicable to their health insurance policy.

Additional Add-ons of PORT-Your Health Insurance Policy

Critical Illness Cover

Provides a lump-sum payout if the insured is diagnosed with a critical illness listed in the policy, helping to cover the high costs of specialized treatments.

Maternity Cover

Offers coverage for maternity-related expenses, including pre and postnatal care, delivery charges, and newborn care.

Personal Accident Cover

Provides coverage in case of accidental death, permanent total disability, or partial disability due to an accident.

Hospital Cash Benefit

Offers a daily cash allowance for each day of hospitalization, helping to cover incidental expenses.

Top-up or Super Top-up Cover

Provides additional coverage once the basic sum insured is exhausted, helpful in case of large medical bills.

Restore Benefit

Restores the sum insured amount if it gets exhausted during the policy year, providing coverage for subsequent hospitalizations.

Outpatient Department (OPD) Cover

Covers expenses incurred for OPD consultations, diagnostic tests, and medicines, even without hospitalization.

Wellness Programs

Offers preventive health check-ups, discounts on gym memberships, nutrition counseling, and other wellness-related benefits.

Dental Cover

Provides coverage for dental treatments and procedures, which are often not included in standard health insurance plans.
Unapproved Design Changes

Alternative Treatment Cover

Covers expenses for alternative treatments like Ayurveda, Homeopathy, and Naturopathy.

Second Opinion Cover

Provides coverage for obtaining a second medical opinion from a different specialist before undergoing a major medical procedure.

Daily Hospital Cash

Offers a fixed daily cash benefit for each day of hospitalization, irrespective of the actual medical expenses.

Organ Donor Cover

Covers medical expenses related to organ transplantation for both the donor and recipient.

Ambulance Cover

Covers expenses for ambulance services required during emergencies or hospital transfers

Global Coverage

Extends coverage to international medical treatments, useful for those who frequently travel abroad.

Accidental Death and Disability Benefit

Provides additional coverage for accidental death or disability on top of the base health insurance policy.

Daycare Procedures:

Additional coverage for medical procedures that don’t require hospitalization for 24 hours, such as cataract surgery or chemotherapy.

Home Healthcare

Covers expenses for medical treatments and services provided at home due to the unavailability of hospital rooms.

Riders for Family Members

Allows adding family members like parents, spouse, and children under the same policy with additional coverage.

Factors Determining the Premium of Health Insurance Policy

Age of Members:

The age of the insured members is considered as younger members generally pose a lower risk of accidents, leading to relatively lower premiums.


Some Compnay charge the premium on the basis of city big city like mumbai , delhi , kolkatta , cheenai . they ahve higher premium as the treatment is costly as comapre to tire 2 & TIRE-3 CITIES

Coverage Limit

The sum insured or coverage limit chosen by the insured group impacts the premium. Higher coverage limits will lead to higher premiums.


If the insured group opts for additional add-ons or riders to enhance the policy coverage, it will affect the overall premium cost.

Policy Term

The duration of the policy, whether it is a one-year term or a longer period, impacts the premium calculation.
Medical History

Medical History

The medical history of the insured members, if considered for coverage, may influence the premium amount.

Major Differences Between Health insurance policy and Critical Illness Insurance

Aspect Health Insurance Critical Illness Insurance
Coverage Type
Provides coverage for a range of medical expenses and treatments.
Offers coverage for specific critical illnesses mentioned in the policy.
Coverage Purpose
General healthcare and medical expenses.
Financial protection against high treatment costs of critical illnesses.
Claims Payout
Covers various medical treatments and hospitalization expenses.
Pays a lump sum amount upon diagnosis of a covered critical illness.
Broader coverage for medical procedures, hospitalization, etc.
Specific coverage for critical illnesses like cancer, heart attack, etc.
Policy Duration
Typically offers annual or multi-year coverage options.
Usually renewable annually or as per policy terms.
Premium Cost
Premiums vary based on factors like age, health, coverage amount.
Premiums can be higher due to the specialized coverage provided.
Benefit Usage
Can be used for various healthcare needs, not just critical illnesses.
Intended to cover financial impact of specific critical illnesses.
Claim Process
Requires medical bills and documentation for reimbursement.
Requires medical diagnosis confirming critical illness for payout.
Additional Riders
Offers riders for added coverage like maternity, dental, etc.
Limited additional riders as the focus is on critical illness coverage.
Survival Period Requirement
No survival period requirement, benefits can be claimed for medical treatments.
Requires survival for a defined period (usually 30 days) after diagnosis.
Payout Purpose
Flexible usage for various medical expenses and treatments.
Intended to cover costs that arise due to the critical illness.

How to Settle Health Insurance Policy

Settling a health insurance claim involves a series of steps to ensure that you receive the reimbursement or coverage for your medical expenses.

Notify the Insurer

Inform your health insurance company as soon as possible about the hospitalization or medical treatment. This can often be done through a toll-free helpline or online portal.
Document Submission

Submit Documents

Provide all necessary documents to the insurer, including the claim form, medical bills, prescriptions, diagnostic reports, discharge summary, and any other relevant records.

Medical Review

The insurer will review the documents to assess the claim’s validity and coverage as per the policy terms.

Cashless or Reimbursement

If you’re availing cashless treatment at a network hospital, the insurer will directly settle the bills with the hospital. If you’re opting for reimbursement, you’ll need to pay the bills initially and then claim the expenses from the insurer.

Claim Processing

The insurer will process the claim based on the policy terms, coverage, and your medical records.

Approval & Payment

Once approved, the insurer will either directly pay the hospital (for cashless) or reimburse you (for reimbursement) as per the policy coverage.

Claim Settlement Time

The settlement time can vary, but insurers strive to process claims within a reasonable period, often within a few weeks.


If there are any discrepancies or additional information required, the insurer will communicate with you. Stay in touch to ensure a smooth claim settlement process.

Claim Rejection or Dispute

In case of claim rejection or dispute, you can appeal to the insurer’s grievance cell and provide any necessary clarifications or documentation.

Stay Informed

Familiarize yourself with the policy’s terms, exclusions, and claim procedures to make the process smoother.
Remember, each insurer might have specific guidelines and requirements. Always consult your insurance policy documents and insurer’s guidelines for accurate and updated information on claim settlement procedures.

Exclusions of Health Insurance Policy

Pre-existing Conditions

Illnesses or conditions that existed before the policy’s effective date might be excluded for a certain waiting period.

Cosmetic Procedures

Elective cosmetic surgeries or treatments are generally not covered unless they are medically necessary due to an accident or illness.

Non-Medical Expenses

Expenses related to non-medical items like vitamins, health supplements, and over-the-counter medications are often excluded.

Experimental Treatments

Treatments or procedures that are experimental or not widely accepted in the medical community might not be covered.

Self-Inflicted Injuries

Injuries sustained intentionally by the insured individual might be excluded from coverage.

Injuries from Hazardous Activities

Injuries sustained during hazardous activities like extreme sports might not be covered.

Pregnancy and Fertility Treatments

Some policies exclude coverage for pregnancy-related expenses, fertility treatments, or childbirth.

Non-Allopathic Treatments

Traditional or alternative treatments like Ayurveda, homeopathy, or naturopathy might be excluded.

Mental Health and Substance Abuse

Some policies have limited coverage or exclusions for mental health treatments or substance abuse rehabilitation.

War or Terrorism

Injuries or illnesses resulting from war, terrorism, or civil unrest might be excluded.


Certain health insurance policies may have exclusions related to HIV/AIDS treatment and related complications.

Out-of-Network Treatment

Expenses incurred for treatments outside the network of the insurance provider might not be covered, except in emergencies.

Routine Health Check-ups

Regular health check-ups or preventive services might not be covered, although some policies include limited coverage.

Specific Illnesses

Some policies exclude coverage for specific illnesses or conditions, especially those with high treatment costs.

Illnesses by Birth

Illnesses or conditions present by birth might also not be covered under the policy.
It’s important to keep in mind that exclusions can vary between insurance providers and policies. Reading and understanding the terms and conditions of your health insurance policy is crucial to know the specific exclusions that apply to your coverage. If you have any doubts or questions about the exclusions, don’t hesitate to clarify them with your insurance provider or agent.

Documents Required for Claim Settlement under Health Insurance Policy

Claim Form

A duly filled and signed claim form provided by the insurance company.

Policy Copy

A copy of the health insurance policy document for reference.

Medical Reports

Relevant medical reports, prescriptions, and diagnosis details from the treating doctor.

Hospitalization Details

Discharge summary, hospital bills, and receipts indicating the details of hospitalization and treatment.

Doctor's Prescription

Prescription for medicines and treatment recommended by the attending doctor.

Bills and Invoices

Original bills, receipts, and invoices for medical expenses incurred during the treatment.

Investigation Reports

Copies of investigation reports like X-rays, MRI, CT scans, blood tests, etc.

Discharge Certificate

A certificate issued by the hospital upon discharge, detailing the treatment received.

Medical Certificate

A medical certificate confirming the nature and severity of the illness or injury.

Insured's Address Proof

A valid address proof document, such as Aadhar card, passport, utility bill, etc.

Insured's PAN Card

Copy of the PAN card for identification and tax-related purposes.

Insured's KYC Form

A Know Your Customer (KYC) form with personal details of the insured.
Bank Details

Claimant's Bank Details

Bank account details for direct claim settlement through electronic transfer in case of Reimbursement

Authorization of Assigned Doctor

A signed declaration and authorization is need from Doctor for processing the claim.
Death Certificate

Any Other Relevant Documents

Any additional documents specified by the insurance company.
It’s important to note that the specific documents required may vary depending on the nature of the claim, the insurance company’s policies, and the type of treatment received. To ensure a smooth claim settlement process, it’s recommended to thoroughly review your policy document and coordinate with your insurance provider or agent for accurate and up-to-date information on the required documents.

Contact Information for Claim : Settlement related to Health Insurance Policy

If Policy Obtained through Agent/Broker

Claims are the reason we get a car insurance in the first place! Therefore, ensure the claim process of your desired car insurance is smooth and doesn’t take too long. When you’re in trouble, the last thing you want is, to spend all your time and energy in just filing a claim!

If Policy Obtained Directly from Insurance Company

Claim Settlements are basically getting your compensations done right. Claims being such an important part of a car insurance, check for your desired insurer’s claim settlement ratio so that you’re assured that no matter what, your claims will be settled!

Claim Contact Information for Policy from Beemawala.com

If you have taken the policy from Beemawala.com, please use the following contact details to register your claim.

  • Phone: +91-9654259715
  • Email: services@beemawala.com

Frequently Asked Questions: on Health Insurance Portability

Health insurance portability allows you to transfer your existing health insurance policy to another insurer without losing the benefits and waiting periods you have accrued.
Yes, you can port your existing family health insurance policy to a new insurer as long as you meet the portability criteria.
Family health insurance plans provide coverage for multiple family members under a single policy, offering financial protection against medical expenses.
The best family health insurance plans vary based on your specific needs and preferences. Research and compare different plans to find the one that suits your family’s requirements.
Choose the best family health insurance plan by assessing coverage, network hospitals, add-ons, premium, and the reputation of the insurer.
Family health insurance plans offer coverage for hospitalization, medical expenses, pre and post-hospitalization costs, and often include benefits like maternity coverage and preventive check-ups.
Yes, health insurance portability allows you to switch to a different insurer while retaining your accumulated benefits.
Health insurance portability for family plans works similarly to individual policies. You can transfer the existing policy along with accrued benefits to a new insurer.
Yes, you can increase the coverage of your family health insurance plan while porting, subject to the terms and conditions of the new insurer.
Consider factors such as coverage, waiting periods, premium, network hospitals, and the reputation of the new insurer when porting your family health insurance policy.
Yes, you can port your family health insurance policy even if you have made claims in the past. However, the accumulated waiting period may vary.
The waiting period accrued under your existing policy will be carried forward when you port. However, the new insurer may have different waiting periods for certain conditions.
The documents required for health insurance portability of family plans include the policy document, proposal form, KYC documents, and claim history.
Yes, many insurers offer online facilities for porting your family health insurance policy. You can check the insurer’s website for details.
The process involves submitting a portability form, proposal form, existing policy details, and other necessary documents to the new insurer. The new insurer will review and process your application.
Yes, the accumulated waiting period for pre-existing conditions will be carried forward to the new policy when you port your family health insurance.
Some limitations include the terms and conditions set by the new insurer and the need to apply for portability within a specified timeframe.
Yes, you can port family health insurance policies with add-ons. However, the new insurer may have different terms for the add-ons.
Yes, you can choose a new insurer with a better network of hospitals when porting your family health insurance policy.
Porting might impact the premium based on factors like the new insurer’s pricing structure and coverage features. It’s advisable to compare premiums before making a decision.
Scroll to Top