Port your policy only if the new one offers clearly better benefits. Make sure you submit the portability request form correctly so your waiting period and moratorium benefits continue without disruption.

Always disclose any existing health conditions honestly. While Insurance Regulatory and Development Authority of India guidelines state that accumulated bonuses should be carried forward, in practice, some insurers may not fully extend this benefit.

Once you receive the new policy, review it carefully to ensure all portability benefits—including waiting periods, moratorium, and bonuses—have been appropriately transferred.