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On average people save 20%
on their health insurance when
they switch with us
We recommend reviewing your health insurance regularly, the safest way to move providers is to Switch your underwriting.
If you’re struggling with the cost of your health insurance, we do not recommend cancelling your policy altogether as you would lose any cover for the pre-existing conditions you have built up whilst insured. By speaking to one of our Healthcare Consultants we can help you to review your options and find the easiest and safest way for you to keep your health insurance policy running, this may be by switching you to a new provider.
Health Insurance works differently from other types of insurance policies; the most important aspect of your current policy is how your medical history was covered when you first took out your health insurance, this is called “Underwriting”.
Any new eligible conditions you have developed since you first took out health insurance will be an eligible medical condition for you to claim on, and customers worry that moving insurers can be detrimental to the underwriting history they have built up with their current provider.
When we talk about “Switching” your health insurance, it means that a new insurer will look to carry on the original underwriting terms from when you first took out Private Medical Insurance, subject to a short set of medical questions.
This means that you can have peace of mind knowing that you are not starting your medical history from scratch and giving you the freedom to move insurers without worrying about how your medical history.
If you pay monthly, the answer is simple, anytime!
Some people prefer to look at Switching when their renewal date comes around, which is fine, but some insurers have offers which means it could be more beneficial to look at switching over 30 days before your renewal date, so you really don’t need to wait for your renewal invitation to come in before shopping around for a better deal.
If you pay annually, it is likely your insurer will offer you a refund for the unused part of your policy year. If you have claimed in the current policy year, you may just need to wait for your renewal date for us to be able to look at switching you. There is a limited number of insurers that could charge you a small administration fee (£40) for moving away mid-term.
At Better Health Insurance Advice our Healthcare Consultants are specifically trained to deal with customers who are looking to switch their health insurance, we will have a short discussion with you about your requirements, your current policy, and a few medical questions. We can then make an impartial comparison and recommend the best route to take with your health insurance plan.
As a result of the medical questions, we will assess whether we can move you to a new insurer with no new added exclusions in the first instance. In some circumstances, we may recommend moving to a new insurer on switch terms with an exclusion added. This means that your underwriting terms will be continued, however, there may be a new exclusion added for a medical condition you have declared. We will never recommend moving with an added exclusion if you are uncomfortable with this.
By adding a new exclusion through the switching process, you can keep the cover for pre-existing conditions but still review your plan to save money, review your cover and move insurers. You may be comfortable with your ongoing care through the NHS for this condition, or even be able to save enough money on your premiums to self-fund for this condition. We will never recommend taking a policy with an added exclusion if this does not meet your requirements, we will spend time to discuss your circumstances around this and provide you with advice based on your personal situation.
On average people save 20% on their health insurance when they switch insurers through us
Some of our insurers can offer equivalent cover and guarantee to beat your premium by up to 10%. If you have your documents to hand when speaking with us or know your exact cover levels, we can quote you these price-beater discounts.
Occasionally insurers will offer ‘months free’ or guarantee your premium for your next renewal if you don’t claim. We will let you know what offers are available to you when we recommend your switch plan to you.
Monday to Thursday09:00 - 19:00
Friday09:00 - 15:30
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