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Ref. No:IRDAI/HLT/REG/CIR/249/10/2020 Date:07-10-2020
To All General and Health Insurance Companies (except ECGC and AIC)

Re:  Additional Norms on portability under Health Insurance policies

  1. Reference is drawn to Chapter VIII of “Consolidated Guidelines on Product filing in Health Insurance Business”                                            (Ref: IRDAI/HLT/REG/CIR/194/07/2020 dated 22.07.2020) through which guidelines on migration and portability of health insurance policies were specified.
  2. Further to the above referred guidelines, for seamless coverage with continuity of benefits to the account holders of various banks who are provided health insurance coverage through group insurance schemes, the following guidelines are hereby issued.

a.    Members of an indemnity based group health insurance policy offered to account holders of a bank are allowed portability of their coverage to another indemnity based group health insurance policy offered by a different insurer to the account holders of the same bank.


b.   The portability will be offered subject to the option exercised by an individual member of the group policy.


c.    All other norms specified in Chapter VIII of the above referred guidelines are also applicable.


  1. These additional guidelines are issued in exercise of the powers vested under Regulation 17 of IRDAI (Health Insurance) Regulations, 2016 read with Section 34(1) of the Insurance Act, 1938 and will come into force with immediate effect.
  2. This has the approval of the competent authority.



(D V S Ramesh)

General Manager (Health)


Insurance Regulatory and Development Authority of India. All Right Reserved.