Health Insurance Portability Offers Freedom To Switch to New Health Insurer

A lot of people prefer to buy a comprehensive health insurance policy for the family since it's a perfect solution for household
heath protection. Sometimes, the coverage buyers are not able to enjoy the claims specified in the plan due to many factors. They
are now able to switch to a better insurer who keeps its promise. Switching insurers doesn't mean you will eliminate the benefits
of your current policy. Under the medical insurance portability, the policyholder can change to some other insurer without
sacrificing the advantages of his or her present coverage.



General insurance companies have launched 'health insurance coverage' program which is applicable only to health policy and planning policies.
According to the portability, if your current policy covers you under a bunch of health claim, you can proceed to either a single
health insurance plan or a family program. But, you are able to proceed only in the event that you have been using the exact same
company for a minumum of one year. Every worker (including their family) who doesn't possess any health plan aside from the one
supplied by their employer, appreciates these benefits too.

You can't change to some other insurer at any given moment. You are able to apply for portability only 45 days prior to the
renewal of your current policy. Read the following 5 steps to choosing health insurance portability.

* It's important to apply to this new insurer 45 days before the renewal date of your existing coverage
* When the new insurance company receives the kind, it is going to provide you a portability form. You should fill it out and
submit it along with the filled suggestion form.
* It's compulsory for new carriers to inquire (within seven days of obtaining the types) your existing insurer for your

information in detail. The detail includes medical and history.
* The present company shares the information to the new insurer through a web portal which is Insurance Regulatory Development
Authority.
* After getting the appropriate information, new insurer frames the proposal based on its underwriting policy.

It is crucial to know that the new insurer can reject your petition. By way of example, if the maximum entry age for your new
insurer's health policy is 60 decades and you're more than 60, your application for portability can be rejected. PKV Vergleich
can reject it based on its underwriting policy.

Things to consider before Applying for Insurance Portability

Before you go for insurance coverage, you need to browse the insurer's terms and conditions carefully. You must ensure whether the
new policy coverage is better than that of the old insurance company.

Dirección editorial:
Facultad de Arquitectura. Universidad Tecnológica de La Habana José Antonio Echeverría, Cujae
Calle 114 #11901, entre Ciclovía y Rotonda. Marianao 15. La Habana. CP 19390. Cuba.
Teléfonos: (53) 7267 1134
E-mail: revista_au@arquitectura.cujae.edu.cu