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Instead, you must follow a regulated two-stage process: Corporate Group Plan (Stage 1: Internal Migration at least 45 days before leaving job) Retail Individual Plan with SAME Insurer (Stage 2: External Portability at the next annual renewal window) Retail Individual Plan with NEW Insurer Stage 1: Internal Migration Under IRDAI guidelines, every member of a corporate group policy has the statutory right to migrate to an individual retail plan with the same insurance company upon leaving their organization