Look before you switch health cover

Health portability will let you choose who your insurer should be. But the action plan seems riddled with too many inconsistencies. The insurance regulator may have stipulated that all health policies will be portable from July 1, but insurers may refuse to accept policies on the pretext of poor risk profile of individuals and upper age of entry, especially for senior citizens. They may also ask for steep premiums in case they do not want to offer health cover to persons opting for transfer of cover from another company.

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