There are so many Standard Clauses or Policy wordings to protect the Health Insurance Policyholder. Is there any specific clause which allow Policy Holder to Transfer from one insurer to another insurer or from one plan

Yes, there is a Portability Clause which gives right to the Policy Holder to transfer from One Insurer to another Insurer or from One Plan to another Plan of the same insurer. Under this Clause the Policy Holder gets: (i) Right to transfer the credit gained for pre-existing conditions and time bound exclusions. (ii) Not applicable to fixed benefits payable under Health Insurance Policies issued by a Life Insurer. (iii) Portability form shall be submitted to the Old Insurer who shall send it through a portal to the New Insurer. Old insurer has to give all the details within 7 days to New Insurer. (iv) No commission need to be paid to any Agent or intermediary for the process. (v) New Insurer is obligated to accept or reject within 15 days from the date of receipt of the Policy Holder form. (vi) If the New Insurer does not Convey any Decision within 15 days the New Insurer is deemed to have accepted the request. (vii) No Charges for Portability. (viii) The policyholder must apply for portability at least 45 days before the renewal date of the existing policy. (ix) The existing policy must be in force without any breaks to be eligible for portability. (x) Ensures that the benefits like waiting periods and no-claim bonuses are not lost when switching insurers.