Cookie Use

Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies. If you would like to know more about cookies and how to manage them please view our privacycookie policy.

How Does Continuing Personal Medical Exclusions (CPME) Work if I Switch My Health Insurance Plan?

I have existing Health Insurance and am look to find a cheaper alternative. I have claimed on the policy in the past and wanted to know if I would still be able to claim for the same condition if I changed insurer?

Question asked by Chris Cooper

Changing health insurance provider

Continued personal medical exclusions (CPME) underwriting is available to individuals who already have a Health Insurance plan in place and are looking for alternative cover.

You may look for an alternative either due to a change in circumstances, because you require a different level of cover or you are looking to make savings on their monthly premiums.

When setting up a health plan for the first time you are required to either declare your medical history in full or agree to moratorium underwriting whereby generally speaking any condition suffered in the past 5 years would not be covered for the first 2 years of the policy.

Switching your medical insurance

Should you switch your health insurance policy, switching on a continuing personal medical exclusions basis means the new insurer agrees to take the new policy on risk on the same basis as your original insurer, rather than on a clean slate.

Let us assume you have held your original plan for a couple of years, it is coming up to renewal and you want to see if there is anything more competitive available.

Medical history and continued personal medical exclusions

Should you have picked up an injury in your first year and had some treatment if you were to take a new health plan out without CPME terms any treatment for the injury would not be covered under the new plan.

Alternatively switching your health insurance on a CPME basis means should that injury rear its ugly head in the future you can still receive treatment on your private medical insurance as the insurer has agreed to take you on risk on the same terms as your original insurer.

For our Complete Guide to Continued Personal Medical Exclusions click here →

Drew Nelson Health & Wellbeing Expert at Drewberry

If you’re considering switching Health Insurance providers, it never hurts to have an expert in your corner, especially if you’ve had to make a claim in the past. While it’s not always possible to switch insurers, there are many things we can do to help bring premiums under control. Give us a call today on 02084327333.

Drew Nelson
Health & Wellbeing Expert at Drewberry

Sarah provided an excellent and informative service.

Arthur Coates
31/01/2019
Compare Top 10 UK InsurersTakes approx. 60 seconds

Or call us on 0208 432 7333

Compare Top UK Insurer Quotes Logos
Is There a Maximum Age Limit When Taking Out Private Health Insurance?
Is there a maximum age limit when taking out private health insurance? I have been on a group scheme most of my working life and am now getting close to retirement.
I Require Comprehensive Sickness Insurance for My UK Visa, Which Plan Do I Need?
I require Comprehensive Sickness Insurance for my UK visa, which plan do I need? I am coming to the UK to study and have been told for my visa I require comprehensive sickness insurance, what do I need to take out to meet this requirement and how much
What is Medical History Disregarded (MHD) in Health Insurance?
Medical History Disregarded Underwriting is a term that you will often see when applying for Group Private Health Insurance. Find out what it means here.
What Do Private Medical Insurance Providers Consider Pre-Existing Conditions?
What do private medical insurers consider as pre-existing conditions? I have been speaking to friends and understand that pre-existing medical
What's the Difference Between Private Medical Insurance and Travel Insurance?
What is the difference between private medical insurance and travel insurance? I have read through the benefits provided on my travel insurance plan
How Can I Find Out Which Hospitals I Can Receive Private Treatment In?
How can I find out which private hospitals I can receive treatment in? There are a number of good private hospitals in my area and I want to know if I can receive treatment in them if I get a health insurance plan?
Contact Us
Head Office & Pensions and Investments
Cannon Place
78 Cannon Street
London
EC4N 6HL
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map
Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
  • 3We are HumanWe are real people with feelings who are here to help you.
  • 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.