Do you know portibility of health insurance always not Good, but how..

Moratorium Period Impact will lose the benefits if your HI policy 8 years old

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It might be very strong chance that in previous company , claim experiance was Satisfactory

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Wellness Proposition Impact it will be possible chance to impact of wellness proposition might not be upto the mark in new company

Loyalty- you were paying premiums on time , it will be one of the claim consideration points for insurer, but you will looses  with new company

Your New Insurer always keep your claims daubtful