A Guide to Switching Healthcare Providers

In the UK, the majority of people who take out health insurance plans often wonder about switching healthcare providers, with unanswered questions in mind, such as ‘can I get a better deal elsewhere?’ Everyone has the option to go to another health care provider; there are however many factors to look out for when doing so. It’s important to be completely up to date on the topic before going ahead and signing another contract – to help, we've outlined a few factors to consider when switching healthcare providers...

Claiming existing conditions

Ensure that you let your new policyholder know of any conditions claimed on your previous plan - any new policy you are considering moving to will continue to cover these conditions with no change to your previous medical underwriting. This term is sometimes referred to as ‘continuing personal medical exclusions’ – which means that your new health insurance policy will have the same exclusions as your current/previous policy, with no additional exclusions.

Consider the benefits on offer

Whatever reason you may be looking to switch healthcare providers for, it’s vital that you know all details of your new policy before signing the dotted line. Making sure that you know of all benefits on offer is key to knowing what you’re eligible for during the time of your cover. Get more for your money via picking a new policy that meets all of your health requirements, as well as other perks such as shopping/gym discounts or a reward system. 

Switching to find cheaper insurance

If you’re looking to save money on your health insurance via switching, there are more options to consider that could further reduce the price of your premiums. Consider increasing the excess on your health insurance policy – the higher excess you choose, the lower your premiums will be. Of course, this means that you’ll be paying a fraction more if you were to fall ill, but it’s a tactical way of reducing your annual policy cost. Just ensure that you’re excess fee is affordable if any health implications were to arise.

Six-week option’’– this means that if the NHS can offer you treatment within six weeks, you will be treated on the NHS. If they cannot offer you treatment within this period, your treatment will be covered by your health insurance. Adding the six week option to your policy could save you up to 20% of your annual premium cost.

How we can help

If you’re considering switching healthcare providers, why not let the experts do the hard work for you. By speaking to our team, you can relax knowing we’ll do the searching for you - our team of experts spend a lot of time training so that they can provide you with the best advice. We are a 100% independent broker – so we only recommend what we think is best for you.

If you join as a new member, you can sometimes reap the rewards of special offers and deals - which can bring down the total or monthly costs of your cover.

Call us today on 0808 10 18 999. Alternatively, visit our contact page for more options.

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