Switching Health Insurance
Switching your health insurance provider can not only save you money but can offer many other benefits; it’s a great opportunity to ensure you have the right cover for your changing needs, or that you are getting the most comprehensive cover for your budget.
Switching private health insurance providers
At Clarity Health Insurance, we understand that it can be a daunting task with so many different insurers and options available. That’s why our experienced team of industry leading advisers are perfectly equipped to assist you in finding the perfect cover based on your personal needs and requirements.
Our team take all the stress out of switching providers. They know all options available across the entire market and can provide you with the cover that will be best suited to you. Our clients remain with us year after year because they know we will always ensure they have the right cover at the best possible price.
How we process your insurer switch
One or our friendly advisers will be assigned to you once we receive an online quote request. Based on the basic information provided your adviser will have a good idea of which providers are most suitable so that they can then call you to discuss your options.
Your adviser will then want to understand a little more about your requirements and your personal circumstances. Your medical history will also be reviewed so that they can tailor your cover based on you most recent health status.
We then use all this information to review your options and provide you with the best price available for a policy that ticks all the boxes. Your dedicated adviser will take time to run through your options with you so that you are clear about all the details. Once you’ve made your decision and you’re happy to proceed, we will then go ahead and arrange you cover. We will handle everything for you and will ensure a smooth switch.
After you have successfully switched insurer, your adviser will continue to be on hand whenever you need them for the duration of the policy. This includes any claims you wish to make and if you’d like further advice on associated medical matters that could affect you current policy or renewal.
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What you should consider before switching
Here is a list of things you should consider carefully before you try and switch insurers. If you’d like free advice on how best to proceed from our friendly and experienced adviser team, simply complete a quote form or call 01242 350071.
Seek a medical assessment by a qualified consultant, who can then give you clear direction on what you can expect regarding your options based on your current medical status. This only takes a few minutes with Clarity Health Insurance and is done via a phone call – either complete a quote form or call 01242 350071 to arrange.
Try not to get too focussed on price without fully understanding the details of cover. Excluding conditions or downgrading your cover can reduce the cost, but the consequences of doing so could prove problematic later.
Even if you feel you have a good understanding it’s still worth discussing your decision and options with an expert before starting new medical underwriting. Our advisers are proven experts in medical insurance with a comprehensive and up to date understanding of all UK health insurers and their policies. It’s also free to talk to our team and there is no obligation in doing so.
Speak to an experienced industry professional who reviews the whole market. There are many UK regulated insurers that should be included in a review and each have their own strengths and weaknesses. An industry professional will have a solid understanding of all the options available to you that you may otherwise miss. Clarity Health Insurance are a whole-of-market broker who offer unbiased advice across all providers.
Establish what level of health cover meets your needs. Ensure you understand all the options available to you and make a list of what is most important to you. There are many factors that are considered by insurers when they price your cover, including age and recent medical history. An increase in premium may be natural given your personal circumstances.
Savings you can expect
Our clients have saved between 10% and 60% by reviewing their health insurance with us and switching to a more affordable insurer or policy. Insurers often provide a range of incentives for switching to them, but it’s important to understand the policy details before doing so.
For example, Vitality Health offers discount opportunities, such as a discount of up to 10% with their switch & save promotion. Meanwhile, 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 extra discounts.
Of course these incentives are put in place to win your custom, so although on the face of it a switch to them may offer you a reward, does it come with a cost to your coverage.
Switch with peace of mind
We would urge anyone looking for a trusted broker to work with, to check the process with which they operate when reviewing quotes for you. All brokers receive a commission from insurers however not all commissions are equal. A good broker will be happy to disclose their commission agreement with you because they have nothing to hide form you.
Brokers have a right to not share their commission information with you but it’s worth asking yourself why? Any weighting towards an insurer is likely to mean they would gain a commercial advantage of promoting an insurer or select group of insurer policies to you, rather than finding the best value policy for you.
At Clarity Health Insurance, we find most of our clients do save money when they review their policy with us and our service is completely free to use. We also offer unbiased advice as our commissions are standard across all insurers – we simply want to make you one of our clients, so we go out of our way to deliver you the highest standard service.
Remember there is no obligation to take a policy with us even after you have discussed your options with us in depth. At every step the decision remains with you and we encourage you to take your time to fully understand all elements to your cover before proceeding.