My health insurance premiums have increased, can I change my insurance provider?

My private medical insurance policy has come up for renewal and my premiums have increased. Am I able to switch to another insurer who offers me better terms?

Question asked by Alexis Johnson
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Answered by Andrew Jenkinson

You are able to change your health insurance provider however there are a number of points you should consider before doing so.

Considering continued personal medical exclusions

Many insurers will let you switch to their products on a continued personal medical exclusion basis so you can continue your cover on the same terms as your existing cover. It is important to ensure the provider you move to will continue cover on the same basis otherwise medical conditions which may be covered under your existing plan may be excluded moving forward.

Naturally there are a vast range of health insurance products on the market and no two policies are the same. To ensure you are comparing apples with apples it is important to compare the benefits of each insurer, compare any cover limits or monetary caps on treatment and get a good understanding of the benefits and limitations of the alternative options.

How does my medical insurance renewal work?

Private medical insurance is an annual contract and thus if you are going to switch insurer it makes sense to do so at the policy renewal to ensure no payments would be lost.

As with your initial application for a health insurance policy there will be paperwork to complete and it varies from insurer to insurer. When switching health insurance provider it is likely the application will be shorter and they may request a copy of your existing policy certificate as proof of your existing cover,

health insurance renewal
 
increasing premiums
 
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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