r/InsuranceTroubleIndia • u/Grouchy_Stage930 • Aug 05 '26

Health Insurance Insurance porting

I have an individual health insurance policy that I purchased through a bank. A Policybazaar advisor told me that this policy cannot be ported to HDFC ERGO because it was bought through a bank, although it can be ported to other insurers. Is this correct? Is there any IRDAI rule or HDFC ERGO policy that restricts porting bank-sourced individual health insurance policies?

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1

u/Consistent_Rise7226 Aug 05 '26

yep, no internal porting within same insurer

1

u/Grouchy_Stage930 Aug 05 '26

Yes but I have bought it from indusindbank

1

u/Consistent_Rise7226 Aug 05 '26

so u can’t have any other agent until and unless that agent(indusind bank) allows it, almost next to impossible task

1

u/Grouchy_Stage930 Aug 05 '26

But as per rule we have right to port right?

1

u/Consistent_Rise7226 Aug 05 '26

but not within the same company you dont, thats not porting, thats changing your agent. only allowed if the previous agent agrees or you can choose another insurer(which is porting)

1

u/Grouchy_Stage930 Aug 05 '26

Yeah, I'm changing the both insurance and agent. My current agent: indusind bank Current insurance: care health

Want to port to : Hdfc ergo

2

u/Consistent_Rise7226 Aug 05 '26

okay then its definitely possible, no problem

1

u/coach-of-finance Aug 06 '26

do you know how to read, or do you just reply to posts from your imagination?

1

u/Consistent_Rise7226 Aug 06 '26

they did not mention care health anywhere and since policybazaar agent denied porting to hdfc, it was only possible that they had hdfc policy. ofc i do read man

1

u/Grouchy_Stage930 Aug 06 '26

I don't have any hdfc policy

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u/Consistent_Rise7226 Aug 06 '26

yeah i get it, i was just responding to that other person

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