We have fantastic relationships with the UK's leading insurance providers and will dedicate time to find the right solution for you.
The process to renew your health insurance policy will vary per provider, but it may happen as follows:
We strongly advise that you compare your policy options come renewal against the one offered by your provider. It may seem easier to renew, but there may be more competitive options available to you. We can help to negotiate your renewal terms by going through the following process:
When you first take out a health insurance policy, you will be given an underwriting start date. Come renewal, even if you wish to change insurers, you may have the option to continue with your original underwriting terms. However, if you have developed a health condition during your policy, changing your provider may lead to a medical exclusion being included on your policy. If this is a concern of yours, then we may recommend that you renew with your existing insurer. Every insurer has slightly different acceptance criteria, so while one policy option may include an exclusion, another insurer may offer you a policy without applying one. Please bear in mind that for any continuation of cover, you’ll need to have your certificate of insurance on hand.
As an independent broker that can offer a whole of market review, we provide you unbiased advice on all of the options available. We’re able to compare the policies available for you and, for example, if you find that one provider applies an exclusion to your renewal policy, we may be able to find you a provider that will cover the treatment. If a medical exclusion is a necessity for your health insurance policy, we’ll gather information from you in an attempt to have the exclusion specific to your illness. This may be beneficial to you as an otherwise broad exclusion could restrict your access to certain treatments that aren’t directly correlated to your medical history.
Once you are happy to proceed we take care of everything for you, providing ongoing support and ensuring that the process of moving providers is as smooth as possible and hassle free.
By appointing us on your policy this will enable us to negotiate the best terms with your current provider and competitors.
Download the following form to appoint us. Please don’t hesitate to contact us if you have any questions. Our dedicated team are here to help.View Form