This document outlines new guidelines from the Insurance Regulatory and Development Authority (IRDA) regarding the portability of health insurance policies. The key points are: 1) Previously, policyholders did not receive credit for pre-existing condition waiting periods if they switched insurers. The new guidelines require insurers to provide credit for time covered under previous policies. 2) Insurers must share policyholder data with other insurers within 7 days if requested to facilitate switching. 3) All health insurance policies must now be portable between insurers, and policyholders should be informed of this right in contracts and materials. 4) The new portability guidelines are effective for all new and existing policies from July