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@resjudicata Yes @joed can explain better, but by that logic then there is no real benefit to port i guess.

@amandajd By that logic even PED waiting period also should start afresh every time porting happens because HDFC cannot be responsible that Care was careless in finding out the PED for 4yrs & 5th year porting happens and a claim hits HDFC. Porting isn't mandatory and dosent happen very...

@amandajd Policy of PSU insurers. No as per IRDA rule moratorium is applied 8yrs from the date of 1st policy issue not 8yrs from the date of policy porting should continue. However it never happens is another matter.

@amandajd In paper the counter dosent get reset but in actual life it does. There are horror stories of people who were enticed with porting their 10 yrs old Govt psu policy to private companies by Telecallers by dangling a ₹2000 SWIGGY gift voucher, & them getting a claim shortly after porting...

@resjudicata Download the latest policy document of the policy you have it will be there

@resjudicata When i said no questions after 8 yrs, i was seeing protection under the 8 yrs moratorium introduced by IRDA which says if you can't find out a pre existing diseases not declared by the. Patient in 8 yrs then tough luck you need to cover him no matter what. When this rule was...

@cherishedlady1969 Read the below comment as my unsolicited opinion .😊 This doesn't work for self employed/professionals, Also what happens when you are no longer employed? ,and when one turns 50 or 60 and is financially independent so doesn't work or cannot work,no insurance company will let...

My post is of two parts 1st part is my question second part is the reason for my question, because of the experience of some people i know with insurance companies. Do insurance companies really payout huge sums when the situation arises? I have seen comprehensive health insurers pay out 2 to...