Health Insurance porting rejection
I attempted to port my health insurance policy—held continuously for the past five years—to ICICI Elevate through an intermediary. Unfortunately, the request was rejected just two days before my renewal date. Below is the timeline of events:
• 9 April: Shared all required details with the intermediary to initiate the porting request.
• 21 April: The intermediary submitted the proposal and generated the premium payment link; I completed the payment the same day.
• 28 April: Telemedical evaluation was completed. All documents requested during this process were shared with the intermediary.
• 30 April: ICICI sent an email requesting document uploads.
• 13 May: The intermediary requested additional documents. I provided everything except consultation papers related to my back pain and my child’s viral infection, as these were unavailable.
• 15 May: Received the first rejection.
• 22 May: Received a second rejection citing insufficient documentation.
Question: a)Where did the process break down? I want to understand this to avoid similar issues in the future.b) Should i do something different next time?
From my perspective, possible issues were:
1. A 12-day delay (9–21 April) in submitting the proposal.
2. A delay by ICICI in requesting documents—or possibly a communication gap where the intermediary missed or delayed relaying the request.
3. The absence of consultation papers.
I believe that if the delays mentioned in points (1) and (2) had not occurred, I might have had enough time either to gather the missing documents or to apply with another insurer.
Details given in proposal form
Self | Age 37
Typhoid Fever – Hospitalized and treated in 2011. Recovered with treatment. No known recurrence since then.
• Right Knee ACL Reconstruction and Meniscectomy – Surgery performed in December 2013. Not on any treatment currently.
• COVID‑19 Infection – Diagnosed in September 2022. Managed at home without hospitalization. Recovered with no post‑COVID complications reported.
• Back Pain – History of intermittent back pain. Consulted Orthopedic specialist in September 2023. Based on physical examination and X‑ray findings, diagnosed as mechanical back pain related to weak back muscles. Took medication during that period. Currently not on any medication and only doing home exercises as advised. No ongoing clinical treatment.
• Left Ankle Growth – Small growth identified in November 2024. Evaluated through USG, MRI, and clinical examination. Diagnosed as benign hemangioma. No treatment or intervention advised by the doctor.
• Left Tennis Elbow – Consulted Orthopedic specialist in 2024 for gym‑related injury. Treated with medication. Currently asymptomatic and not on treatment.
• Left Knee Pain – Consulted Orthopedic specialist in 2025 for gym‑related injury. Treated with medication. Currently asymptomatic and not on treatment.
Spouse | Age 33
• Knee Patella Slip – Consulted Orthopedic specialist more than 10 years ago for history of patellar slip. Advised muscle‑strengthening exercises. Not on any treatment or medication currently.
• COVID‑19 Infection – Diagnosed in September 2022. Managed without hospitalization. Recovered with no post‑COVID complications reported.
• Dengue Fever – Hospitalized and treated in November 2022. Recovered without complications.
• Gestational Diabetes – Occurred only during pregnancy in 2023. Managed during pregnancy as advised. Blood sugar levels normalized post‑delivery. Not diabetic outside pregnancy and not on medication currently.
• Breathing / Gastric Symptoms – Consulted Pulmonologist in 2022 & November 2025 for gas and breathing‑related complaints. After evaluation & FOT test it was Diagnosed as mild intermittent asthma / small airway obstruction. Used medicines and inhalers for approximately 3 months as advised. Currently not using inhalers as symptoms have reduced. Undergoing AYUSH / Homeopathy treatment at present.
Son | Age 2 yrs
• Bronchopneumonia – Hospitalized and treated in September 2024. Recovered fully after treatment. No ongoing medication or follow‑up at present.
• Fifth Disease / Hand, Foot and Mouth Viral Infection – Occurred in 2025, managed conservatively without hospitalization. Fully resolved
Rejection Details attached.