Is Your Health Insurance Renewal Due? Here Are Your Options
Don't Feel Like Talking Right Now?
No problem! You can let us know when your health insurance policy is up for renewal, and we'll handle the rest.
Alternatively, you can book a callback with one of our specialist advisers at a time that suits you.
Fill the required info below:
Want to Speed Up the Process?
If you'd like us to receive a copy of your renewal invitation directly, you can appoint us here.
When Will You Receive Your Renewal Quote?
Health insurance is typically an annual policy, so expect your renewal invitation to arrive 6-8 weeks before your policy's anniversary date. If we are appointed to the policy, we can find out the date for you and plan in your callback accordingly.
What Are Your Options at Renewal?
When it comes to renewing your health insurance, you have several choices:
Reduce Costs:
Make changes to your policy to lower the premium.
Renew Your Current Cover:
Keep the same coverage as before.
Explore Better Options:
Run a full market appraisal with one of our specialist brokers to see if there’s better coverage available.
Why Do Premiums Increase?
Several factors can cause your premiums to rise:
Age:
As you get older, your risk increases, and so does your premium.
Claims History:
Recent claims can affect your no-claims discount.
Medical Inflation:
Rising costs of medical treatments, hospitals, or specialists.
Increases in IPT:
Government increases in Insurance Premium Tax can also impact your premium.
Critical Considerations When Switching Health Providers
Before making a switch, keep these important factors in mind:
Underwriting Type & Medical History:
How will your past medical history affect new coverage?
Pending or Planned Treatments:
Consider both private and NHS options.
Ongoing Medication:
Does the new policy cover ongoing treatment?
Coverage Details:
Evaluate hospital access, outpatient limits, excess, and any additional terms like the 6-week option.
Unsure What to Do?
That’s what we’re here for! Book a free 30-minute consultation with us, and we’ll guide you through your options.
Thinking of Making Changes to Your Existing Cover?
Here’s what you could consider:
Restricting Hospital Access:
Make sure the hospitals you need are still covered.
Increasing Excess:
Does a higher excess make your policy less usable? For example, do you need unlimited outpatient cover with a high excess?
Ready to Take the Next Step?
Whatever route you decide to take, it’s always best to get guidance from an experienced health broker like us.
For Small, Medium, or Large Business Cover:
Call Matt
For Individual, Family, or Over 50s Cover:
Call James
Or simply send us a note, and we'll add you to our callback list for your renewal.
Book a call with us today and ensure your health insurance is the right fit for you!