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 02074425880.

Drew Nelson
Health & Wellbeing Expert at Drewberry

I had a great experience with Drewberry, they have a lot of knowledge and expertise with life insurance and income protection and were able to advise me and arrange suitable products. Highly recommend.

Lachlan Mellings
12/08/2020
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