# Agents misuse health insurance portability, customers at risk 2026-08-08T16:11:19+00:00 | Governance | Indian Opinion Desk Corroboration: 1 independent outlet Health insurance portability lets you switch insurers without losing waiting period credits or no-claim bonuses. But Livemint reports that agents are misusing this IRDAI-introduced rule to earn commissions, pushing switches that may not benefit customers. Some agents sell a wholly new policy disguised as portability, leaving customers unaware until a claim is rejected. Even after 15 years, transparency is lacking. IRDAI does not mandate public disclosure of porting numbers or claims rejected after a switch. With roughly one in four policyholders not renewing top plans, many may be lost to commission-driven portability. Customers only discover the trap when their claim is denied. ## Coverage - livemint.com Tags: agent misconduct, claim rejection, health insurance, IRDAI, portability, transparency Canonical: https://indianopinion.org/agents-misuse-health-insurance-portability-customers-at-risk/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/agents-misuse-health-insurance-portability-customers-at-risk/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes.