u/sm16y

I'm 27, no pre-existing disease. I took insurance of 10 SI at the age of 23. I have accumulated 4L NCB over the years. Now I have realised that the X company features are not good and want to Port to Y company for the same Sum Insured.

But, the Y Company is quoting me 2X the standard premium rate for porting. their standard premium rate is half of the rate they are quoting.

question:

Is this normal?

Is there a way to negotiate?