Switching Health Insurance

We use our knowledge and experience of the health insurance market to help you smoothly switch providers if it’s in your best interest to do so.

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Why Switch Your
Private Health Insurance Provider?

Even if you already have private health insurance, there are many reasons why you should consider changing your provider:

By switching provider, you can:

* Findings are based on 49 clients, over the last 3 months who already had a live policy in place.

How Can Healthcare Clarity Help You Switch Health Insurance?

Healthcare Clarity is a private health insurance broker covering the whole market. This means we work with the UK’s largest companies like Bupa and AXA, as well as insurers with a smaller market share such as The Exeter. We explore every available option and offer free, expert advice so you can change your health insurance provider with no trouble.

We focus on not only finding competitive prices for our clients, but also ensuring they are getting the best advice and can make informed decisions about their medical insurance. However, we will only recommend a switch if it really is in your best interest.

How to Change Health Insurance Provider

Switching your health insurance provider is easy. Follow these steps to find out if changing yours is the right decision:

1 – Request a quote, and one of our advisors will return your call and discuss your specific requirements

2 – We go to market and look at prices and underwriting terms to identify the best long-term healthcare plan for you

3 – You receive quotes and an advice letter explaining our findings

4 – You decide whether to switch or stick with your current health insurance provider

5 – If you’re switching, we’ll help you secure the policy and offer ongoing support for the plan’s duration

6 – We’ll get in touch ahead of the renewal date, and go to market to see if it’s worth switching again


Top Tips for Switching Your Health Insurance

  • Review your policy before renewal
  • Explore the whole market so no stone is left unturned
  • Establish what health cover is important to you
  • Seek help from recommended sources

  • Exclude conditions without fully understanding the consequences
  • Start a new underwriting until you have received expert advice
  • Add downgrades (like a six-week option) if you’re unsure of the impact
  • Cancel a policy without speaking to a health insurance professional

Switching Health Insurance
FAQ's

You don’t necessarily need to wait until your renewal date before you switch health insurance providers. If you are charged on a monthly basis, you’ll only have to pay to get out of your policy early if you’re with Vitality Health, which charges a £40 admin fee. It’s more difficult to switch mid-policy if you pay annually, but it’s certainly not impossible. Whatever your circumstances, we can give you free, professional advice.

Many people with pre-existing conditions assume they can’t change provider, and feel stuck when their premiums become unnecessarily unaffordable. This isn’t actually the case.

Generally speaking, if you haven’t seen a medical professional other than a GP in the last 12 months, and you have no upcoming specialist appointments or hospital stays, you should be able to switch without exclusions. In fact, some insurers may cover you even if you have an outpatient visit planned or pending.

Our clients have saved between 10% and 60% by reviewing their health insurance and switching to more affordable options, with companies often providing a range of incentives to do so.

For example, Vitality Health offers a discount of up to 10% with their switch & save promotion, while other insurers may give you deals like two months free or a fixed price for a number of years. We’ll let you know exactly where you qualify for discounts.