Converting the group health insurance policy to an individual cover policy is a smart move for those facing a career transition or retirement. It will ensure continued coverage, protect against pre-existing diseases and safeguard from the financial risk of coverage gap.

The individual can increase the sum insured, include riders like outpatient department (OPD) cover and add a super top-up for a comprehensive cover. Converting the cover will prevent the individual from the hassles of undergoing medical screening and start a fresh waiting period, typically two to four years, for any chronic conditions like diabetes, hypertension, etc.

How to convert ?

The individual must apply to the insurer at least 30 days before the date of expiry of the group policy. He can select a specific individu

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