Portability shall be allowed in All individual health insurance policies issued by non-life insurance companies including family floater policies
Portability can be opted by the policyholder only at renewal and not during currency of the policy
A policyholder wanting to port his policy to another insurance company has to apply to such insurance company, to port the entire policy along with all the members of the family, if any, at least 45 days before the premium renewal date of the existing policy.
The portability shall be applicable to the sum insured under the previous policy and also to an enhanced sum insured, if requested by the insured, to the extent of cumulative bonus acquired from the previous insurer(s) under the previous policies.
DOMICILIARY HOSPITALIZATION - a provision to take care of expenses incurred for medical treatment taken at home without being admitted to a hospital. the condition of the patient is such that he cannot be moved to a hospital or there is lack of accommodation in hospitals.
MODELEXAM® 
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