Health Insurance Advisory Desk is a specialized editorial research unit at GST Munshi comprising Chartered Accountants, tax litigators, commercial bankers, and policy analysts dedicated to verifying Indian statutory circulars (CBIC, CBDT, RBI, IRDAI, and Ministry Gazettes) into actionable guides.
Complete guide to migrating from employer group health insurance (GMC) to an individual or family floater retail policy: IRDAI portability rules, 45-day notice window, carrying forward waiting period credits, and premium calculations.
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