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Insurer Tactics

The Moratorium Period — Your 5-Year Protection

After 60 continuous months, insurers lose the right to reject claims for non-disclosure. How to use this rule.

One of the most powerful policyholder protections in Indian insurance law — and one of the least known.

What It Is

The 60-Month Rule

After completion of 60 continuous months of health insurance coverage — including periods from ported or migrated policies — no insurer can contest a claim or void a policy on grounds of non-disclosure or misrepresentation, except in cases of established fraud.

Critical condition: The 60 months must be continuous. A single break in coverage resets the moratorium clock. This is the most important reason to never let your policy lapse.
How Porting Counts

Continuity Carries Over When You Switch Insurers

If you have been covered for 3 years with Insurer A and then port to Insurer B, the 3 years count toward your moratorium period with Insurer B. You do not start from zero.

Document it: When porting, ensure the new insurer acknowledges your previous coverage period in writing. This documentation is essential if you need to invoke moratorium protection later.
What It Does Not Cover

Fraud Is Always an Exception

The moratorium protection does not apply in cases of established fraud. If you fabricated a claim, submitted forged documents, or deliberately misrepresented material facts, the insurer retains the right to repudiate regardless of coverage duration.

Permanent exclusions: Conditions specifically excluded from your policy at inception remain excluded even after the moratorium period.
Action Steps

How to Protect Your Moratorium Clock

Set a calendar reminder 60 days before your renewal date. Pay renewal premiums on time. If you plan to port, initiate the process at least 45 days before your renewal date. Never allow your coverage to lapse even for a single day.

Check your date: Count from the inception date of your very first health policy. If you have been continuously insured since 2019, you may already be in moratorium territory.

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