Is Porting Insurance Really Worth It? Know the Real Truth! | Beshak

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We all do it…
Started with Netflix. Then tried Prime. Switched to Hotstar. Now, juggling all three - all for better shows, better features, and fewer ads. 😅

But what if we told you that switching your health insurance can be just as important - and way trickier?

Unlike streaming apps, where you can pause anytime, health insurance portability comes with timelines, terms, waiting periods, and sometimes even hidden risks! One wrong move and you might lose important benefits you’ve already earned over the years.

🎬 In the finale episode of Insurance Unfiltered - Season 2, Episode 6 - we break down everything you need to know about porting your health insurance policy.

From when to port, what transfers, what doesn’t, to what sneaky mistakes to avoid - we’ve got your back 💪🏽

Key Highlights:
✅ What actually gets carried forward when you port a policy
✅ When is the right time to port your policy
✅How to know if a port is fake or legit
✅ How to avoid getting trapped in “fake portability”

Video Chapters:
00:00 Introduction
3:00 What are waiting periods in health insurance?
4:05 How portability helps with waiting periods
5:11 When should you port your policy?
7:05 Core reasons to port vs. flashy features
9:04 Can you port any type of policy?
11:05 Porting group vs. personal insurance policies
13:00 What gets transferred when porting a group policy?
15:01 Porting with minimal waiting periods in previous policy
16:27 What happens to no-claim bonus during portability?
18:55 Porting and increasing your sum insured
21:20 Portability and upgrades in past policy years
23:26 Detailed portability process explained
25:17 What is loading and why is it applied?
26:16 Can your portability request be denied?
27:10 Importance of applying for portability on time
28:31 Common pitfalls in portability
30:58 Declaring health history before and during old policy
33:16 Beware of fake portability: hidden frauds
35:03 Who is responsible for medical info transfer?
36:42 Will new health conditions be covered in new policy?
39:00 Summary: When not to port your health policy
41:00 Dos and Don’ts of Porting a Policy
42:25 What to check in your new ported policy
44:04 What to do if there are errors in your new policy

Whether you’re unhappy with the service, want better features, or are just curious, watch this before you make the switch. Port smart. Not blind.

👇 Comment below with your questions - we’ll answer them all.
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