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Switching Health Insurance

If you are eligible to switch health insurance policies, we are here to help you, so you don’t miss out on a better policy.

UK Health Insurance can help you

Why switch your health insurance plan?

There are various reasons why you might decide to change your health insurance; here are some of the most common ones:
 

  • Your current health insurance plan no longer provides enough cover for your health needs.
  • Your current health insurance has too many extra benefits you never use.
  • You are not happy with the service you receive from your health insurance company.
  • Your medical insurance policy is too expensive.
  • You believe that better and more suitable health insurance plans might be out there.

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5 questions to ask yourself before renewing your health insurance policy

 1. Is your current health insurance policy still relevant to your healthcare needs?

 2. Were you able to use your policy as expected and were you satisfied with the resolution of your claim?

 3. Have you recently reviewed your policy and premiums?

 4. Were you always happy with the service you received from the health insurance company?

 5. Do you think your existing health insurance is worth the premium you are paying?

If you answered NO to any of these questions, you should review your existing health insurance plan and think about alternatives.


Switch your policy with expert help from UK Health Insurance

We are an expert team of specialist health insurance brokers helping people find the right health cover. We can help you switch policies through:

  • Thorough Comparison – We can compare all UK major health insurance providers on the market. If there is a better deal out there for you, rest assured we will find it.
  • Expert Advice – With over 15 years’ experience, our friendly health insurance advisers can provide independent and trustworthy expert opinions and help.
  • Easy Switch – We make the switching process quick and straightforward. We will also make sure you understand and are happy with the new policy.
  • Free Service – Our help and support are free of charge. What’s more, there’s no obligation to switch your health cover if you decide you are not ready.
  • On-going Support – We want you to always be clear about the cover you have in place so we are here to advise you anytime about your insurance policy.

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Are you worried about switching health insurance?

If you already have private medical insurance, you might think that by switching you will lose your cover. Don’t worry, we will advise you to transfer your health insurance only if we think the switch is beneficial to you.

We will listen to your concerns and provide you with expert insurance advice, we will also ensure you can continue to be covered with no interruptions. What’s more, many health insurance companies will allow you to transfer to them and keep the same underwriting terms that you had with your previous insurer. Whilst this may sound complicated, our expert advisers will be able to guide you through this process, making sure we find the best protection for your needs.

In some cases, it may not even be necessary to change insurers, you may just need to change to another plan from the same company. In any case, we will check you are 100% happy with the new cover before switching.

 

How we help you switch health insurance

UK Health Insurance can provide you with a free health insurance check-up:

1. We will review your existing policy. As you get older or your personal circumstances may change, your health insurance cover should be reviewed every year to check if it’s still the most suitable one for you.

2. We will compare the market. The market is constantly changing with companies launching new health insurance products all the time. We compare all new and old policies against your existing health insurance benefits.

3. We will check your premium. We know that budget it’s very important when it comes to health insurance so we’ll check whether the policy you have is the most cost-effective for your needs.


Top tips for switching health insurance

  • Never choose your health insurance cover solely on price. More expensive health insurance plans are not necessarily better, and conversely, don’t just go for the cheapest health insurance plan, as it might not provide the cover you need.
  • We will ask the new health insurance company if they can offer you cover under the same terms as your previous provider, to ensure that new exclusions are not added to your policy.
  • One of the best times to switch health insurance is close to your renewal date. If you choose to switch during your insurance term, your current health insurance company might charge you specific fees.
  • If you are leaving a work health insurance scheme, contact us to see if we can search the market for you as your current scheme may not be most appropriate for you.
  • It is normal for health insurance premiums to go up at renewal. Usually, premiums go up due to your age, medical inflation, insurance premium tax, or because of the claims you made. Different insurers have different rules about how much and how often your premium increases so it’s always worth shopping around in case there are better deals available.
  • Use an expert health insurance broker to help you switch. The health insurance market can be very complicated and an independent insurance specialist can give you trustworthy advice on how to make your switch worthwhile. Whatever your health insurance requirements, UK Health Insurance is here to offer you reliable and free advice. Contact us today!

 

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Are you leaving your company health insurance scheme?

Whether you are changing jobs, leaving your company, or retiring, you can keep the security of private health insurance that was previously provided by your employer by moving to a personal health insurance plan. We can compare policies and help you switch quickly and effortlessly while ensuring you have the right protection in place.


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