What are continuity benefits in a health insurance policy?

Continuity benefits are benefits that accumulate in your policy when your health coverage has been consistent for a certain number of years, depending on the insurer. This includes cumulative bonus, waiting period waivers and enhancement of sum insured. If you use the portability option to migrate from one plan to another or one insurer to another, you can take continuity benefits with you without losing them. This will entitle you to increase your cover or add pre-existing illnesses to your policy. Continuity benefits are also effective on exclusions related to specific periods, in addition to waiting period waivers