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Introduction: Can I Cancel My Health Insurance Policy?

Life circumstances can change, prompting individuals to reassess their financial commitments, including health insurance policies. While cancelling a health insurance policy is possible, it's essential to understand the implications and considerations involved in this decision. This guide provides insight into the process of cancelling a health insurance policy, highlighting key factors to consider before proceeding.

Considerations Before Cancelling Your Policy

Before cancelling your health insurance policy, it's crucial to evaluate your reasons for doing so and weigh the potential pros and cons. Factors to consider include:
  • Affordability of premiums
  • Level of coverage provided
  • Changes in personal circumstances
  • Availability of alternative insurance options

Process of Cancelling Your Policy

If you decide to cancel your health insurance policy, the process typically involves the following steps:
  1. Contact Your Provider: Reach out to your health insurance provider to inform them of your decision to cancel.
  2. Complete Necessary Forms: Your insurer will provide you with cancellation forms and instructions on their completion and return.
  3. Consider Refund Eligibility: Depending on your policy and payment schedule, you may or may not be entitled to a refund of premiums already paid. Check your policy documents for details.

Implications of Cancelling Your Policy

Cancelling your health insurance policy may have several implications, including:
  • Loss of access to private healthcare services
  • Longer waiting times for treatment within the NHS
  • Potential penalties or cancellation fees
  • Risk of being uninsured until a new policy is secured
  • New waiting periods for certain treatments upon obtaining a new policy

Reconsidering Health Insurance Coverage

Despite cancelling your policy, there may be circumstances where reconsidering health insurance coverage becomes necessary. Reasons for reconsideration include:
  • Improved affordability of premiums
  • Dissatisfaction with NHS waiting times or care quality
  • Availability of specialist treatments not covered by the NHS

How to Cancel Your Policy

To cancel your health insurance policy, contact your provider through phone, email, or their online portal, depending on their preferred communication channels.


While cancelling a health insurance policy is a personal decision, careful consideration of its implications is paramount. Understanding the potential impact on coverage, finances, and access to healthcare services is essential in making an informed choice. If uncertain, consulting with a health insurance broker can provide valuable guidance in evaluating your options and determining the most suitable course of action.

Why get private health insurance?

Health insurance allows you get back on your feet quicker:

✅ Avoid long NHS waiting lists of many weeks and get treated faster with private medical insurance, which can be really important for a successful recovery
✅ Get early diagnosis so you can get the treatment you need right away done privately
✅ Business owners can save on their tax bill with private medical insurance
✅ You are free to choose your surgeon or hospital to suit your needs by place and time
✅ You often get a private room with better facilities for your treatment or surgery
✅ With private medical health insurance you gain access to advanced treatments not available on the NHS

Benefits offered by private health insurance

Private medical health insurance is an insurance policy that covers the costs of private healthcare, from diagnosis to treatment. You just pay an affordable monthly premium that covers all or some of the cost of treatment for acute conditions that develop after your health insurance policy has begun.

Our mission is to put you in touch with not only the best, but the most suitable private medical health insurance companies. With even more risk on the rise for personal health today, it makes more sense than ever to have private medical health insurance cover.

👍 Many people are very thankful that they had their private medical health insurance cover in place before running into some serious health issues. Private medical health insurance is as important as life insurance for protecting your family's finances.

Important Fact!

Why increasing numbers of individuals and families opt for PMI insurance

👉 We insure our cars, houses, bicycles and even bags! Yet our health is one the most precious things we have.

People buy life, critical illness and private medical health insurance for a variety of reasons – easily one of the most important insurance purchases an individual or family can make in their lifetime. PMI insurance is still seen as a luxury in the UK. Indeed, only around 11% of the population has private medical insurance. However, an increasing number of people are taking out private medical insurance due to a number of reasons:
  • Avoid NHS waiting lists and be treated more quickly
  • Faster diagnosis (comprehensive cover)
  • More access to latest cancer drugs and treatments, some of which may be unavailable on the NHS
  • Greater choice over where and when your treatment takes place
  • Have a private room should you need treatment in hospital
Our award-winning FCA-authorised insurance partner experts are ready to provide you with a FREE Consultation.

👍 Simply get your affordable private medical health insurance plan in place for the necessary peace of mind! Just tap or click the button below to book a FREE call now! 👇

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Any questions?

Do I need Private Medical Insurance if I have Life Insurance?

Life Insurance and Private Medical Insurance cover you for two different purposes, so you will need to assess your needs but may wish to consider holding the two policies. Private Medical Insurance covers you if you get sick or need treatment and want or need to go privately. Life Insurance covers you in the case of death, giving a payout to family/those left behind.

If you prefer to get straight into treatment in the private sector without the long waiting times with the NHS, or you just prefer the private sector anyway, without having to pay it all yourself, then you would need to have Private Medical Insurance to cover it. Sometimes treatments and drugs that are not covered by the NHS can be covered by Private Medical Insurance.

It's free to use WeCovr to find health insurance - we never charge you for quotes. Health or private medical insurance is an investment that can pay for itself the first time you might need medical treatment.

It depends on your personal choice and preferences. If you are prepared to limit yourself to NHS-covered treatments only and can or want to endure long waiting times to get into treatment, then yes, NHS might work for you. Your cover there is free. If you don't want to be exposed to long waiting times or if your treatment is not covered by the NHS, then you would benefit from Private Medical Insurance.

Private Medical Insurance is an important financial product that insurance companies take a lot of care and diligence so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.


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 life insurance, critical illness insurance, private medical health insurance, over-50s funeral insurance and senior life insurance quote in no time thanks to our wonderful super-friendly expert partners ready to assist you every step of the way.

Just a quick and simple form and an easy conversation with our FCA-authorised life insurance, critical illness insurance and private medical insurance partner experts and your valuable insurance policy is in place for that needed peace of mind!