I started my porting request with HDFC ERGO almost 4 weeks before my renewal date, but the entire experience has been painful and quite unprofessional. There has been no consistency in the information provided by different sales representatives, and communication has been very confusing.
I have been continuously insured with Care Health Insurance (previously Religare) for the last 7 years without any claims. When I originally purchased the policy, the sales agent verbally assured me that maternity expenses would be covered after 2–3 years. However, when we finally applied for a maternity claim after 7 years, it was rejected saying maternity was not covered under the policy.
That experience seriously affected my trust in Care Health Insurance. If they reject a maternity claim after such a long waiting period, it naturally makes me wonder how reliable they would be for larger medical claims in the future.
Because of that, I researched alternatives and found many people recommending HDFC ERGO. But honestly, my experience with their sales process has also been frustrating. Even after starting the porting process well in advance, they kept delaying things until the last moment before my renewal deadline, leaving me with very little time to properly evaluate my options or make a calm decision.
At this point, I genuinely want suggestions from people who have dealt with either insurer. Is it worth continuing with Care despite this experience, or is porting to HDFC ERGO still the better option despite the poor onboarding experience?