Brian's review (77)

Sara’s knowledge and honesty were impressive – I stayed with my current policy.

The Problem

Brian and Christine have separate private medical insurance policies. They wanted to try and reduce their costs, but they were worried about the impact their existing medical conditions might have on switching to a different insurer.

Brian had already made a claim. They were both worried that, by switching providers, exclusions might be added that could affect claims in the future.

The Solution

Our Healthcare Consultant, Sara, spoke to Brian at length. Talking through the couple’s medical history in detail, Sara noted every aspect of the cover being provided by the current policy. Sara then referred all of that information to our insurers to see if a new policy could provide the same or similar cover without any exclusions. Unfortunately, the insurers said no, not without increasing the premiums. Although this wasn’t the best news, Sara shared all the details in a phone call and advised Brian that their best option was to stay put with their current provider. This way, they’d be in a position to continue with cover for pre-existing medical conditions.

Our consultant's summary

"I like to save money for people where I can, but having the right cover in place is our priority. I couldn’t improve Brian and Christine's policy at this time, but I’ll be speaking to them again nearer to renewal – hopefully helping them to talk through any price rises with their current insurer."
- Sara Rowan

Looking for advice about health insurance?

Curious? Confused by the wording in your policy? Give us a call. As regulated advisers, you can trust us to make impartial recommendations. It’s free advice.

We’re happy to answer ANY questions you have, about your current private medical insurance or about switching to a new policy.

Get advice