'I've had health insurance for 8 years. How can my claim be rejected?' Here's why insurers can still deny claims after policy portability
Last Update Date: 06-10-2026
Published by Business Today
Abhishek Kumar's role: Quoted
Abhishek Kumar explained that many claim disputes arise because policyholders do not realise a new insurer runs its own underwriting before accepting them. He said he often hears from people who switched insurers and were surprised by a rejection.
More of Abhishek's views on insurance
The article explains why a health insurance claim can still be rejected after a policy is ported to another insurer. That insurer underwrites afresh, so full disclosure matters. It covers which benefits carry over, such as waiting period credit, no-claim bonus and the moratorium period, and the conditions a new insurer can still impose.
Publisher source
'I've had health insurance for 8 years. How can my claim be rejected?' Here's why insurers can still deny claims after policy portability