New Delhi, Aug. 4 -- With your health insurance renewal around the corner, you may receive calls offering lower premiums or better features if you port your policy. This can make you reconsider renewing with your current insurer, especially if you've had a bad experience or are facing a steep premium hike.

Porting does offer continuity benefits, such as credit for the waiting period already served. However, your no-claim bonus (NCB) may not carry over as smoothly, and that's where many policyholders get caught off guard.

To be clear, when you port your health insurance policy, the waiting period for pre-existing diseases (PEDs) or specific treatments already served under your old policy carries forward.

For instance, if your PED waitin...