Switching Health Insurance in the UK Without Losing Cover

Are you confident you’re getting the best value for money with your current health insurance? For many UK residents, the thought of switching health insurance providers can raise plenty of questions, especially around the risk of losing cover—particularly for existing medical conditions. As a result, a lot of people simply stay with the same insurer year after year, missing out on better prices, up-to-date benefits, or plans more closely tailored to their needs.

If you’re among those who’ve felt stuck, rest assured: switching health insurance plan is not only possible, but it can also be a positive and rewarding move when managed wisely. This long-form guide will show you exactly how to make the switch with confidence—without the risk of being left exposed at any stage.

Whether you want lower premiums, better quality care, or a plan that fits your life today, we’ll empower you to explore your options, debunk common myths, and show you actionable steps to keep yourself and your loved ones protected every step of the way.

Why Consider Switching Health Insurance Plan?

Modern life doesn’t stand still, so why should you switch your health insurance plan? The UK private medical insurance market is lively and highly competitive, with insurers regularly updating products and benefits to attract new clients. The plan you signed up for five years ago may now be outpaced by better-value options offering broader, smarter cover.

Here’s why it pays to review your options regularly:

• Increase in Value: Health insurance premiums often rise over time, sometimes stealthily. By comparing offers, you’ll find innovative plans that suit your budget—and often deliver more for less.
• Benefits That Reflect Your Needs: Contemporary policies increasingly provide access to digital GPs, mental health resources, virtual physiotherapy and fast-track diagnostics. These services may have been rolled out after you joined your current provider.
• Adaptability: Just as your life evolves, so should your insurance. Whether you’ve started a family, changed jobs, or simply want more comprehensive cover, it’s smart to revisit your current plan’s suitability.

Pro tip: The earlier you compare your options, the less likely you’ll face nasty surprises at your next renewal.

Addressing the Number One Fear: Losing Cover

Perhaps the most widespread concern with switching is the risk that your new insurer might say “no” to pre-existing conditions you’ve already claimed for, such as an old injury or a chronic illness.

This is where “Switching on a CPME basis” comes in. CPME, which stands for Continued Personal Medical Exclusions, helps you maintain the same medical terms and exclusions from your previous policy—meaning no unwelcome surprises or gaps in cover.

Understanding CPME

A CPME switch allows you to transfer to a new insurer, keeping your existing underwriting terms. Here’s how it works:

• If your current policy covers a condition: The new plan (if purchased under CPME) will cover it too—provided you meet the insurer’s switching criteria.
• If your current policy excludes a condition: The same exclusion typically applies to the new policy, so you’re in the same position and don’t suddenly lose out.
• No waiting periods or ‘resetting the clock’: Your years of continuous cover stay with you, protecting you from policy loopholes.

Step-By-Step Guide to Switching Health Insurance Without Losing Cover

Switching health insurance might seem complex, but when done with foresight, it’s a smooth process. Follow these steps to ensure your protection is seamless.

1. Assess Your Current Policy

Start with a careful review of your current policy documentation. Pay close attention to:

• The underwriting method (Moratorium, Full Medical Underwriting, or already on CPME).

• Any specific exclusions or loading applied.

• The benefits you currently claim, and any you wish you had.

Understanding these details gives you a clear benchmark for your next policy.

2. Explore and Compare the Market

Take the time to research multiple insurers, not just the “Big Four.” New market entrants are often more dynamic and offer great value.

Comparison checklist:

• Outpatient benefit limits
• Cancer care levels
• Digital health perks
• Excess amounts
• Hospital lists
• Mental health cover
• Dental and optical add-ons

3. Check Your Eligibility for CPME

Insurers have criteria for CPME switching, such as:

• You must have an active policy—don’t let it lapse.

• The new policy must be initiated before the old one ends.

• There should be no significant break (ideally zero days) between policies.

• Some insurers may require you not to have claimed for certain serious conditions or must match your old plan’s benefits closely.

Pro tip: Ask your chosen insurer to confirm, in writing, how your existing cover and any exclusions will transfer.

4. Application Process: Don’t Cancel Until Approved

Golden rule: Never cancel your old direct debit until your new cover is confirmed and you’ve received your insurance certificate in writing. Sometimes it’s wise to allow an overlap of a few days.

Missing even a single day can expose you to a gap in cover—risking your rights to continuous protection for pre-existing conditions.

Types of Underwriting Explained

Understanding underwriting—the process by which insurers decide what your plan will cover—is a vital part of switching safely.

1. Continued Personal Medical Exclusions (CPME)

This is the recommended route for most switchers and anyone with a medical history they’d like to keep covered. CPME simply “copies over” the terms of your current policy, including any exclusions.

2. Moratorium Underwriting

With Moratorium underwriting, any pre-existing condition from the last five years is initially excluded, but cover may be restored if you’re symptom-free and treatment-free for two years on your new plan.

Warning:
Don’t switch from CPME to Moratorium unless you’re sure—doing so could mean losing valuable cover, especially for ongoing conditions.

3. Full Medical Underwriting (FMU)

FMU involves completing a medical questionnaire. The insurer may then apply specific (sometimes lifelong) exclusions for conditions you declare. It can be right for those in excellent health but is not ideal if you want to transfer ongoing cover.

Advanced Switching Tips and Tricks

To truly maximise the value—and avoid common pitfalls—consider these actionable tips:

Seek Professional Advice

Working with a trusted health insurance advisor can streamline the process. They’ll explain the intricacies of underwriting, exclusions, and small print, ensuring you don’t miss crucial details.

Double-Check the Details

• Hospital List: Does your new policy grant access to your preferred providers? For example, if you’re in London, make sure the key hospitals are included.

• Policy Excess: Sometimes a lower premium hides a higher excess. Ensure you’re comfortable with your share of any potential claim.

• Customer Satisfaction: Review Trustpilot ratings and testimonials to be certain you’ll receive top-class service when it matters most.

Special Features to Look For

• Virtual GPs and 24/7 health helplines.

• Enhanced mental health cover.

• Access to leading specialists.

• Flexible family cover (easy to add newborns or partners).

• Customisable excess and out-patient benefits.

Did you know?
Some insurers now reward you for healthy living—providing discounts for attending health checks or maintaining an active lifestyle.

Common Mistakes to Avoid

Don’t let avoidable errors disrupt your healthcare journey:

• Letting the policy lapse: Always maintain continuous cover with no breaks.

• Chasing the cheapest offer blindly: Balance price with quality and breadth of cover.

• Skipping the fine print: Exclusions, hospital coverage, and excess levels can differ—they matter.

• Not reviewing at life milestones: Big life changes (marriage, children, new job) often mean it’s time to review your health insurance needs.

Switching If You Have Pre-Existing Conditions

Worried you won’t find adequate cover if you have a chronic illness, past surgery, or ongoing treatment? You’re not alone. Here’s how to keep your peace of mind:

• Disclose all medical history: Honesty ensures valid claims and prevents denials.

• Understand exclusions: CPME preserves current exclusions (and inclusions), but each switch is individual. Confirm everything in writing.

• Work with an experienced broker: They’ll know which insurers are most flexible—and those that appreciate your loyalty as a new client.

Your Questions—Answered

Can I switch insurers partway through my policy year or only at renewal?
You can usually switch at any time—not just renewal. While you may lose the rest of that month’s premium, it’s often worthwhile if better benefits or savings are available.

Will switching affect my no-claims bonus?
In many cases, your no-claims bonus can transfer, but check with your new insurer—some recognise previous years, some don’t.

Is there a cooling-off period when switching?
Yes. You generally have 14 days to review and cancel your new policy, no questions asked.

I have an active claim ongoing. Should I wait?
It depends. Some insurers will allow you to switch during treatment, others won’t. Ask for advice tailored to your situation.

Pre-Switch Checklist

Before you switch, run through this checklist for a secure, successful transfer:

• Have I checked my current underwriting terms and exclusions?

• Have I compared at least three new insurers?

• Am I clear on new policy benefits and any small print?

• Do I have written confirmation of CPME transfer, including details of pre-existing condition cover?

• Has my new policy gone live before I cancel the old one?

• Do I know my excess, hospital list, and claim process?

• Have I reviewed customer feedback and satisfaction ratings?

Tick all these boxes, and you can switch with full confidence, knowing your health—and budget—are protected.

Embracing the Benefits of the Switch

Switching providers isn’t just about saving money—it’s about upgrading your health security for you and your loved ones. Modern plans offer:

• Digital-first solutions for easy appointments and fast advice.

• Wider access to UK specialists with comprehensive lists.

• Enhanced cover for mental wellbeing and long-term conditions.

• Family-friendly options, often at reduced rates.

Take Control of Your Health Cover Today

Don’t let fear of losing cover hold you back from better value, broader benefits, or a provider who truly puts you first. By following the guidance above, you’ll unlock the best of both worlds: seamless protection and policy features to suit your changing needs.

With expert advice at your fingertips and tools designed for UK residents, there’s every reason to explore your options and secure a plan that’s affordable, comprehensive, and tailored to you.

Ready to see how much you could save? Take action now—use our platform to compare trusted, top-rated UK insurers and switch with peace of mind. Your health deserves it!