How does continuing personal medical exclusions (CPME) work if I switch my health plan?

I have existing health cover 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
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Answered by Andrew Jenkinson

Changing health insurance provider

This option is available to individuals who already have a health insurance plan in place and are looking for alternative cover often either due to a change in circumstance they require a different level of cover or they 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, should you not suffer from the condition during these two years it could then be re-included within the plan.

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 →

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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