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Not necessarily, your advisor will talk you through the different underwriting options, but they will always try and continue your medical history from your previous insurer to your new policy, which means you would be able to claim for the same things medically.

The insurers across the market all use the same network of private hospitals and health professionals – so if you are looking at one of the top insurers, the chances are they will have access to your proffered facility. It is advised that you discuss your hospital access requirements with your adviser so they can make sure you have the correct option on your policy.

All insurers will take on clients with claims history, with most they ask for a 5-year snapshot – so if your claims are 5 years or more ago then essential you are totally claims free! But even if you have claimed within the 5 years it’s not the end of the world. Some providers won’t even ask about claims history – which means if you have had an increase in your premium due to a recent claim you can usually save money by looking at one of these insurers, providing the claim is resolved and you have nothing further planned.

If you are thinking of cancelling, we would suggest it’s time to review. Often you can scale back the core product and save money – this will still pick up the major treatment costs like hospital stays, cancer cover, scans etc leaving you to use NHS or self-fund for things like outpatients’ consultations, minor tests such as blood tests and x-rays.

Cancer like all medical conditions is something that would likely need to be disclosed to your new provider when switching, however depending on the severity of the condition and when the treatment and sign-off was, it could be looked at. For example, bowel cancer treated 15 years ago and signed off for consultations 10 years ago would generally be ok with most insurers. Your advisor will ask you some medical questions and refer the answers to the underwriters.

Another great reason to use an advisor, they will take away the stress from the process. Once you have decided on an option, they will handle the whole switch process from the application with the new insurer to the cancellation of the old plan. Most brokers offer an ongoing support package as well, meaning they will be around throughout the life of the policy, to assist with claims and queries.

The health insurance market is competitive, and insurers are always introducing new rates and incentives to try to win new business. We would suggest asking your advisor to review your terms annually, and if there is something that’s better, cheaper and covers your medical history – GO FOR IT!

Although your advisor will have done their best in finding you an alternative – they may be restricted as to which insurers they have access to – not all advisors are whole of market, which means they do not have access to all of the products available. When you compare through us we will only introduce you to only whole of market advisors with the best insurers deals.

No, there on no financial charges or early exit fee’s for moving before your renewal.

No, a private health insurance advisor does not charge a fee. They receive a commission directly from the insurer they introduce you to, for looking after you and your policy moving forwards.