How to Switch Health Insurance Provider in the UK
Shopping around for a better deal on your private medical insurance in the UK can feel daunting. With WeCovr, an FCA-authorised broker that has helped arrange over 800,000 policies, you can navigate the market with confidence. This guide explains how to switch providers to find better value or cover, without creating gaps in your health protection.
WeCovr's step-by-step guide to moving insurers without losing cover
Switching your health insurance provider is a significant decision. You want to ensure you get the best value for your money and the right level of cover for your needs, all while maintaining continuous protection for your health. The process might seem complex, but with the right guidance, it can be managed smoothly and effectively.
This comprehensive guide will walk you through everything you need to know, from understanding the reasons to switch to the pitfalls you must avoid.
Why Switch Your Private Health Insurance Provider?
Loyalty doesn't always pay when it comes to insurance. The private medical insurance (PMI) market is competitive, and your current provider might no longer be the best fit. Here are the most common reasons people in the UK look for a new policy:
- Rising Premiums: This is the number one reason. Premiums naturally increase each year due to your age and "medical inflation"—the rising cost of private treatments, new drugs, and advanced technologies. According to industry data, medical inflation can run anywhere from 5% to 10% per year, far outstripping general inflation.
- Better Cover Elsewhere: Your health needs change over time. A policy that was perfect five years ago might now lack crucial benefits. You may want more comprehensive cancer care, better mental health support, or higher outpatient limits for diagnostics and consultations.
- Poor Customer Service: A difficult claims experience, long waiting times on the phone, or unhelpful staff can destroy trust in a provider. Your health is paramount, and you need an insurer who is responsive and supportive when you need them most.
- Changes in Personal Circumstances: Life events often trigger a policy review. This could include starting a family, your children leaving home (and your policy), changing jobs, or retiring. Each of these events can alter the type and level of cover you require.
- Introductory Offers: New customers often receive attractive discounts or added benefits. While price shouldn't be the only factor, a significantly cheaper premium for like-for-like cover is a powerful incentive to switch.
Understanding the "Switching" Minefield: Key Terms Explained
Before you can switch, you need to understand the language insurers use. The most critical concept is underwriting, which is how an insurer assesses your risk and decides what it will and will not cover.
The Critical Rule of UK Health Insurance
First, let's be crystal clear about a fundamental principle of private medical insurance in the UK:
PMI is designed to cover acute conditions that arise after you take out your policy. An acute condition is one that is curable with treatment, such as a hernia or cataracts. It does not cover pre-existing conditions or chronic conditions.
- Pre-existing Conditions: Any illness, injury, or symptom you had before the policy start date.
- Chronic Conditions: Long-term conditions that cannot be cured, only managed. Examples include diabetes, asthma, high blood pressure, and arthritis. These are managed by the NHS.
Understanding this is vital. When you switch, your goal is to ensure that conditions that were covered by your old policy remain covered by your new one. This is achieved through a specific type of underwriting.
Types of Underwriting
| Underwriting Type | How It Works | Best For |
|---|---|---|
| Full Medical Underwriting (FMU) | You complete a detailed health questionnaire, declaring your entire medical history. The insurer then lists specific exclusions on your policy from day one. | People with a very clean medical history who want absolute clarity on what is and isn't covered from the start. |
| Moratorium (Mori) | You don't fill out a medical questionnaire. Instead, the insurer automatically excludes any condition you've had symptoms, advice, or treatment for in the last 5 years. This exclusion can be lifted if you go 2 continuous years on the policy without any issues relating to that condition. | A popular option for first-time buyers who want a quicker application process. Not recommended for switching if you have existing conditions you want to keep covered. |
| Continued Personal Medical Exclusions (CPME) | You transfer your underwriting terms from your old insurer to the new one. Any exclusions on your previous policy are carried over. This is the gold-standard method for switching. | Anyone with an existing PMI policy who wants to switch providers without losing cover for conditions that are currently covered. |
| Medical History Disregarded (MHD) | The insurer agrees to cover eligible medical conditions, regardless of your previous medical history. | Almost exclusively available for larger company group schemes, not typically for individual policies. |
For anyone looking to switch, CPME underwriting is the most important option. It allows for a seamless transition, protecting the cover you've built up over the years.
The 7-Step Guide to Switching Your PMI Policy Seamlessly
Follow these steps carefully to ensure a smooth switch that protects your health and your wallet.
Step 1: Review Your Current Policy in Detail
Before you shop around, you need to know exactly what you have. Find your latest policy documents and renewal notice. Pay close attention to:
- Your Premium: How much are you paying monthly or annually?
- Level of Cover: Do you have comprehensive, intermediate, or basic cover?
- The Excess: How much do you have to pay towards any claim? Is it per claim or per year?
- Outpatient Limits: Is there a monetary limit (£500, £1,000, unlimited) on consultations, tests, and diagnostics?
- Hospital List: Which hospitals are you allowed to use? Is it a local list or a national one?
- Cancer Cover: Is it comprehensive, covering new and experimental treatments, or are there limits?
- Exclusions: What specific medical conditions are listed as exclusions on your policy certificate?
This information is your benchmark. You need it to compare new quotes on a like-for-like basis.
Step 2: Define Your New Requirements
Now, think about what you want from a new policy. Your needs may have evolved. Create a simple checklist.
My Must-Haves:
- Example: Comprehensive cancer cover
- Example: A low excess of £250 or less
- Example: Mental health support included
- Example: My local private hospital must be on the list
My Nice-to-Haves:
- Example: Dental and optical cover
- Example: Access to a 24/7 virtual GP service
- Example: Worldwide travel cover
This list will help you and your broker quickly filter through the dozens of policies on the market to find the ones that truly meet your needs.
Step 3: Insist on a CPME Switch
This is the most crucial step for maintaining cover. When you approach a broker or a new insurer, you must state that you want to switch on a "Continued Personal Medical Exclusions" (or "CPME") basis.
How CPME Works:
- You provide your new insurer with the details of your current policy.
- The new insurer contacts your old insurer to get a copy of your original underwriting terms and claims history.
- Your new policy is issued with the exact same personal medical exclusions you had before.
This means if a condition like "knee pain" was covered by your old policy, it will be covered by your new one. Conversely, if "back pain" was excluded on your old policy, it will remain excluded on the new one. You don't gain or lose cover for past conditions; you simply transfer it.
Eligibility for a CPME switch usually requires:
- You are switching from a comparable UK-based PMI policy.
- You have had no break in cover.
- You are not currently undergoing treatment or making a claim.
Step 4: Compare the Market with an Expert Broker
While you can go directly to insurers, this is not the recommended route for switching. An independent broker like WeCovr adds immense value, at no cost to you.
- Expertise: Brokers live and breathe the PMI market. We understand the complex CPME switching processes of each insurer (they all have slightly different rules).
- Whole-of-Market Access: We can get quotes from all the major UK providers, including Aviva, AXA Health, Bupa, and Vitality, as well as smaller specialists. This saves you hours of research.
- Negotiating Power: We can often find exclusive deals or help you tailor a policy to fit your budget without sacrificing essential cover.
- Impartial Advice: As an FCA-authorised broker, our duty is to you, the client, not the insurance company. We find the best policy for your needs.
Step 5: Get Your Quotes and Compare Like-for-Like
Once your broker provides quotes, don't just look at the headline price. Lay them out and compare the key features.
Example Policy Comparison:
| Feature | Current Policy (Insurer A) | Quote 1 (Insurer B) | Quote 2 (Insurer C) |
|---|---|---|---|
| Monthly Premium | £120 | £105 | £115 |
| Underwriting | CPME | CPME | CPME |
| Excess | £250 | £250 | £100 |
| Outpatient Cover | £1,000 | Unlimited | £1,500 |
| Cancer Cover | Full Cover | Full Cover | Full Cover, with limits on some drugs |
| Hospital List | Nationwide | Nationwide Plus | Nationwide |
| Added Benefits | None | 50% gym discount | Virtual GP, therapy sessions |
In this example, Quote 1 from Insurer B looks cheapest, but Quote 2 from Insurer C might offer better value with a lower excess and strong mental health benefits for a small extra cost. A broker helps you analyse these trade-offs.
Step 6: Apply for Your New Policy (BEFORE Cancelling the Old One!)
This is a golden rule: Never, ever cancel your existing policy until your new policy is fully accepted and in force.
The application for a CPME switch is usually straightforward. You will need to provide:
- Your personal details.
- The name of your current insurer and your policy number.
- Your renewal date.
The new insurer will handle the rest of the information transfer. They will give you a decision and, if accepted, a formal offer and a start date. Only when you have this confirmation in writing should you move to the final step.
Step 7: Cancel Your Old Policy and Confirm Your New Start Date
With your new policy confirmed, contact your old provider to cancel. The best time to do this is at your renewal date to avoid any potential administration fees.
- Inform your old insurer in writing (email is usually fine) that you do not wish to renew your policy from [your renewal date].
- Cancel your direct debit with your bank after the final payment has been taken.
- Confirm with your new insurer that your policy has started. You will receive your new policy documents, which you should read carefully. By law, you have a 14-day cooling-off period from the day you receive your new documents to change your mind and cancel without penalty.
Common Pitfalls to Avoid When Switching Health Insurance
Making a mistake during the switching process can be costly. Here are the most common errors to avoid.
- Don't leave a gap in cover. Even a one-day gap between policies can break your "continuous cover" status. This would force you to take out a new policy on a Moratorium or FMU basis, meaning any condition you've had in the last 5 years would likely be excluded. Always ensure your new policy starts the day your old one ends.
- Don't just chase the cheapest price. A very low premium almost always means a compromise. This could be a high excess, a restricted hospital list, or poor outpatient cover. Value for money is more important than the lowest possible price.
- Don't forget to check the small print. Pay special attention to the hospital list and outpatient limits. Being covered for surgery is useless if you can't get the initial diagnostic scans or the hospital you want to use isn't on the list.
- Don't misrepresent your medical history. When applying, even on a CPME basis, you must be honest. Failing to disclose something relevant can give the insurer grounds to cancel your policy and refuse claims, which is known as 'non-disclosure'.
- Don't assume everything is covered. Remember, all PMI policies have exclusions. Besides pre-existing and chronic conditions, common exclusions include routine pregnancy, cosmetic surgery, and emergency care (which is handled by the NHS A&E).
Can I Switch if I'm Currently Claiming or Undergoing Treatment?
This is a critical question. The simple answer is: it is generally not advisable or possible to switch insurers while you have an active claim or are in the middle of a course of treatment.
A new insurer will view your ongoing treatment as a pre-existing condition and will almost certainly apply an exclusion for it. This would mean you either have to pay for the rest of the treatment yourself or abandon the switch and stay with your current provider.
The best course of action is to complete your treatment under your current policy. Once the treatment is finished and the claim is closed, you can then explore switching on a CPME basis for future, unrelated conditions.
Switching to a WeCovr Policy: Our Added Benefits
When you choose to find your private health cover through WeCovr, you're not just getting a policy; you're getting a partner in your long-term health. As an FCA-authorised broker with high customer satisfaction ratings, we provide expert, impartial advice to find you the best possible cover.
Furthermore, we offer our clients unique benefits:
- Complimentary Access to CalorieHero: All our PMI and Life Insurance clients receive free access to our AI-powered calorie and nutrition tracking app, CalorieHero. Managing your diet is a cornerstone of good health, and this tool makes it easy and intuitive.
- Discounts on Other Insurance: We believe in holistic protection. Our PMI clients are eligible for discounts on other products we offer, such as life insurance, helping you protect your family's finances as well as your health.
Beyond Insurance: A Holistic Approach to Your Health
While private medical insurance is a fantastic tool for getting fast access to treatment when you're unwell, the best strategy is always to stay healthy in the first place. Many modern PMI policies now include proactive benefits to help you do just that.
- A Balanced Diet: Good nutrition is fundamental. Aim for a diet rich in fruits, vegetables, lean proteins, and whole grains. Using a tool like our CalorieHero app can help you understand your eating habits and make healthier choices.
- Regular Physical Activity: The UK Chief Medical Officers recommend adults get at least 150 minutes of moderate-intensity activity (like a brisk walk or cycling) or 75 minutes of vigorous-intensity activity (like running or tennis) a week. This reduces the risk of many chronic illnesses.
- Prioritise Sleep: Most adults need 7-9 hours of quality sleep per night. Poor sleep is linked to a range of health issues, including a weakened immune system and poor mental health.
- Mental Wellbeing: Stress, anxiety, and depression are major health concerns. Many PMI policies now offer excellent support, including access to talking therapies (like CBT), often without needing a GP referral. Don't be afraid to use these valuable services.
UK Private Health Insurance Market in 2025: Key Statistics
Understanding the market landscape can help you make an informed decision. Here are some key figures and trends for the UK private healthcare sector.
| Statistic | Figure / Trend | Source |
|---|---|---|
| UK Population with PMI | Approximately 11% of the UK population holds some form of private medical insurance. | Association of British Insurers (ABI) |
| Total PMI Claims Paid | In 2023, health insurers paid out £2.9 billion in claims, helping over 600,000 people get the treatment they needed. | ABI |
| Primary Reason for Claims | Musculoskeletal issues (e.g., joint and back problems) and cancer treatment remain the most common and highest-value claims. | Industry Data |
| NHS Waiting Lists | As of early 2025, NHS waiting lists in England remain a significant concern, with millions waiting for consultant-led treatment, driving many to consider PMI for faster access. | NHS England |
| Premium Inflation | Annual premium increases are consistently higher than the Consumer Price Index (CPI) due to the rising costs of advanced medical care and an ageing population. | LaingBuisson |
These statistics underscore the value of PMI in a system where public health services are under pressure. A policy can provide peace of mind and, most importantly, swift access to care when you need it.
Do I need to declare my full medical history again when switching?
Will my premium definitely be cheaper if I switch health insurance providers?
What happens to my No Claims Discount (NCD) when I switch insurers?
Is there a 'cooling-off' period when I take out a new private health insurance policy?
Ready to Find a Better Health Insurance Deal?
Switching your private medical insurance doesn't have to be a headache. By following a structured process and seeking expert advice, you can secure a policy that offers better value and is perfectly aligned with your current health needs, all without losing the precious cover you already have.
The team at WeCovr is here to make that process simple and transparent. We'll help you compare the UK's leading insurers on a CPME basis, ensuring a seamless switch.
[Get your free, no-obligation health insurance quote from WeCovr today and see how much you could save.]
Why private medical insurance and how does it work?
What is Private Medical Insurance?
Private medical insurance (PMI) is a type of health insurance that provides access to private healthcare services in the UK. It covers the cost of private medical treatment, allowing you to bypass NHS waiting lists and receive faster, more convenient care.How does it work?
Private medical insurance works by paying for your private healthcare costs. When you need treatment, you can choose to go private and your insurance will cover the costs, subject to your policy terms and conditions. This can include:• Private consultations with specialists
• Private hospital treatment and surgery
• Diagnostic tests and scans
• Physiotherapy and rehabilitation
• Mental health treatment
Your premium depends on factors like your age, health, occupation, and the level of cover you choose. Most policies offer different levels of cover, from basic to comprehensive, allowing you to tailor the policy to your needs and budget.
Questions to ask yourself regarding private medical insurance
Just ask yourself:👉 Are you concerned about NHS waiting times for treatment?
👉 Would you prefer to choose your own consultant and hospital?
👉 Do you want faster access to diagnostic tests and scans?
👉 Would you like private hospital accommodation and better food?
👉 Do you want to avoid the stress of NHS waiting lists?
Many people don't realise that private medical insurance is more affordable than they think, especially when you consider the value of faster treatment and better facilities. A great insurance policy can provide peace of mind and ensure you receive the care you need when you need it.
Benefits offered by private medical insurance
Private medical insurance provides numerous benefits that can significantly improve your healthcare experience and outcomes:Faster Access to Treatment
One of the biggest advantages is avoiding NHS waiting lists. While the NHS provides excellent care, waiting times can be lengthy. With private medical insurance, you can often receive treatment within days or weeks rather than months.
Choice of Consultant and Hospital
You can choose your preferred consultant and hospital, giving you more control over your healthcare journey. This is particularly important for complex treatments where you want a specific specialist.
Better Facilities and Accommodation
Private hospitals typically offer superior facilities, including private rooms, better food, and more comfortable surroundings. This can make your recovery more pleasant and potentially faster.
Advanced Treatments
Private medical insurance often covers treatments and medications not available on the NHS, giving you access to the latest medical advances and technologies.
Mental Health Support
Many policies include comprehensive mental health coverage, providing faster access to therapy and psychiatric care when needed.
Tax Benefits for Business Owners
If you're self-employed or a business owner, private medical insurance premiums can be tax-deductible, making it a cost-effective way to protect your health and your business.
Peace of Mind
Knowing you have access to private healthcare when you need it provides invaluable peace of mind, especially for those with ongoing health conditions or concerns about NHS capacity.
Private medical insurance is particularly valuable for those who want to take control of their healthcare journey and ensure they receive the best possible treatment when they need it most.
Important Fact!
We can look at a more suitable option mid-term!
Why is it important to get private medical insurance early?
👉 Many people are very thankful that they had their private medical insurance cover in place before running into some serious health issues. Private medical insurance is as important as life insurance for protecting your family's finances.👉 We insure our cars, houses, and even our phones! Yet our health is the most precious thing we have.
Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy private medical insurance can be made much simpler with the help of FCA-authorised advisers. They are the specialists who do the searching and analysis helping people choose between various types of private medical insurance policies available in the market, including different levels of cover and policy types most suitable to the client's individual circumstances.
It certainly won't do any harm if you speak with one of our experienced insurance experts who are passionate about advising people on financial matters related to private medical insurance and are keen to provide you with a free consultation.
You can discuss with them in detail what affordable private medical insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.
By tapping the button below, you can book a free call with them in less than 30 seconds right now:
Our Group Is Proud To Have Issued 800,000+ Policies!
We've established collaboration agreements with leading insurance groups to create tailored coverage
How It Works
1. Complete a brief form
2. Our experts analyse your information and find you best quotes
3. Enjoy your protection!
Any questions?
Learn more
Who Are WeCovr?
WeCovr is an insurance specialist for people valuing their peace of mind and a great service.👍 WeCovr will help you get your private medical insurance, life insurance, critical illness insurance and others in no time thanks to our wonderful super-friendly experts ready to assist you every step of the way.
Just a quick and simple form and an easy conversation with one of our experts and your valuable insurance policy is in place for that needed peace of mind!