What if I want to change to a new insurance company?
It is perfectly possible to change to a different insurance company if you already have cover, though there are various considerations to take into account. Of course you should always check with the specific policies at hand as to the details, so if you find a new insurance provider you should check to see how your cover can be affected by the change in advance.
However, these are the areas that you should take into account:
Conditions Could Become Pre-Existing Conditions:
If you were healthy when you first took our private medical insurance, then you required treatment for a specific condition, then this condition may turn into a pre-existing condition when you change over to a new insurance company. However, this is not always the case and some companies may match what was excluded and included on your previous cover.
There Are Likely to Be Differences:
So you have found a new insurance company and their policy includes and excludes the same things as your old one. But you should still compare them to each other and look at the cover limits and monetary figures as, after all, there may be some differences that you did not at first notice. Make sure you ask the new company questions to be absolutely clear.
The Switch:
If you have a contract with your current insurance provider you may need to wait until the contract has run its course before switching, so you will have to do it when it comes up for renewal. You should also keep hold of your old policy certificate as your new insurance company is likely to want to see it to prove what was included/exclude on your old cover.