--- title: Review Or Switch Existing Policy | Morehealth Limited description: Review your private health insurance to ensure it meets your needs and explore options for better value and coverage with our expert guidance. --- - [0800 028 5540](tel:08000285540) - [info@more-health.co.uk](mailto:info@more-health.co.uk) [![logo-morehealth-1](https://www.more-health.co.uk/hs-fs/hubfs/Images/logo-morehealth-1.webp?width=222&height=70&name=logo-morehealth-1.webp "logo-morehealth-1")](https://www.more-health.co.uk/) [![logo-morehealth-1](https://www.more-health.co.uk/hs-fs/hubfs/Images/logo-morehealth-1.webp?width=159&height=50&name=logo-morehealth-1.webp "logo-morehealth-1")](https://www.more-health.co.uk/) - [Home](https://www.more-health.co.uk) - Health Insurance - [Individual Health Insurance](https://www.more-health.co.uk/individual-health-insurance) - [New Policy](https://www.more-health.co.uk/new-private-health-insurance) - [Review or Switch Policy](https://www.more-health.co.uk/review-or-switch-existing-policy) - 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[Cancer Cover](https://www.more-health.co.uk/cancer-cover-compared) - [Underwriting](https://www.more-health.co.uk/health-insurance-underwriting) - [Chronic Conditions](https://www.more-health.co.uk/chronic-conditions-explained) - [Health Insurance Costs](https://www.more-health.co.uk/how-much-does-private-medical-insurance-cost) - Resources - [Find Private Hospitals](https://www.more-health.co.uk/find-a-hospital-near-me) - [Health Insurance Guides](https://www.more-health.co.uk/health-insurance-guides) - [Health Insurance FAQ's](https://www.more-health.co.uk/health-insurance-faqs) - [Blog](https://www.more-health.co.uk/blog) - [Glossary](https://www.more-health.co.uk/glossary) - [0800 028 5540](tel:08000285540) - [info@more-health.co.uk](mailto:info@more-health.co.uk) [Contact Us](https://www.more-health.co.uk/contact-us)[Request A Quote](https://www.more-health.co.uk/get-a-quote) # Review or Switch Private Health Insurance [Get A Quote](https://cta-eu1.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLLA7ZSKHLIUA140vpEWV7e604y2ckmOzwpHSVPj%2BJvHMpYYlNdQnmSRX%2BXswDZYIwg9qUb5iRO4TnTNy9dE9Mn1nvhCWUoCVvKKSkc85N5DZMT0Xz1Lq2W9TDqk1k6Odk1%2B2mRZiHIDNrG0WP%2BTmoe7N6oZXhakQKEbsEvYT6bMGgeJa06jE8E%2B30IbaOqvF8s%3D&portalId=147592284) ![10](https://www.more-health.co.uk/hs-fs/hubfs/Images/10.webp?width=1563&height=1094&name=10.webp) - ### [FCA Regulated](https://www.website.com) - ### [Independent Broker](https://www.website.com) - ### [15+ Years Experience](https://www.website.com) - ### [UK-Based Advisers](https://www.website.com) - ### [FCA Regulated](https://www.website.com) - ### [Independent Broker](https://www.website.com) - ### [15+ Years Experience](https://www.website.com) - ### [UK-Based Advisers](https://www.website.com) ![Review Or Switch Existing Policy](https://www.more-health.co.uk/hs-fs/hubfs/Morehealth%20Images%20(2).png?width=500&height=600&name=Morehealth%20Images%20(2).png) ## Make Sure Your Health Insurance Policy Still Works For You If your private health insurance renewal has arrived, it’s a good time to check whether your policy still offers the right balance of cover and cost. Premiums can change each year, benefits may evolve, and what suited you a few years ago may no longer be the best fit. At Morehealth, we review private medical insurance policies in a friendly and practical way. We help you understand your renewal, compare suitable alternatives, and decide whether it makes sense to stay with your current insurer or switch provider. [Free Health Insurance Check](https://cta-eu1.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLIkiGv5e1ajjS8u2KDFlfCVKogA3Hy1FyPZnAlM%2FBGEpv6mWPzzQnmRtOU%2B5rGw5fJdT6jd9YaGJ1YcvXIj9p24t94540egmU7UbZnO%2BL8Q5n586Zj4WKp8BTMuXB7HWAL7CWTtr91Rf1%2BguPwuhmOZKa65QLDf7NyzZVFAC2R9uMBHMxBmR%2B6P%2FLhCrgveozwL5epl4SDgrsKvzFQIOktU&portalId=147592284) ## Why Review Your Private Health Insurance at Renewal? A review of your health insurance policy can help you make sure your cover still meets your needs. During a review, we look at whether your policy still provides good value and whether any changes might improve your cover or reduce costs. A review can help you: Understand why your premium has changed Understand why your premium has changed Check your hospital access still suits your location and preferences Check your hospital access still suits your location and preferences Confirm outpatient limits and benefits remain appropriate Confirm outpatient limits and benefits remain appropriate Review your policy excess and how it affects premiums Review your policy excess and how it affects premiums Compare what other health insurance providers offer for similar cover Compare what other health insurance providers offer for similar cover Ensure your policy still aligns with your circumstances and priorities Ensure your policy still aligns with your circumstances and priorities Even if you are happy with your current insurer, a review can provide reassurance that your policy remains competitive and suitable. Where possible, we will negotiate a discount with your existing insurer if switching is not viable. ## When Switching Private Health Insurance May Help In some situations, switching provider can offer: #### Better overall value #### Improved hospital access #### Stronger benefits or outpatient cover However, switching needs to be handled carefully to protect your position regarding medical history and underwriting. Many people worry that switching insurers will mean losing cover for existing or previous medical conditions. In most cases, switching can be arranged using continued personal medical exclusions (CPME) underwriting. This approach may allow your current underwriting position to carry across to the new insurer, meaning: #### Existing exclusions remain the same #### Previously covered conditions remain covered This depends on insurer acceptance, and we explain the process clearly so you understand what is realistic before making a decision. ## What We Look at During a Health Insurance Review When reviewing your private health insurance policy, we focus on the factors that affect your real experience of using the cover. These include: Your hospital list and where you can receive treatment Your hospital list and where you can receive treatment Outpatient cover, consultations and diagnostic tests Outpatient cover, consultations and diagnostic tests Cancer cover and benefit limits Cancer cover and benefit limits Underwriting terms and exclusions   Underwriting terms and exclusions The insurer’s customer support and claims process The insurer’s customer support and claims process Your policy excess and how it applies to claims  Your policy excess and how it applies to claims We then compare suitable alternatives across the market and explain the differences in plain English. ![Review Or Switch Existing Policy](https://www.more-health.co.uk/hs-fs/hubfs/Morehealth%20Images%20(5).webp?width=1125&height=1238&name=Morehealth%20Images%20(5).webp) ## We Compare Leading UK Providers  We work with all major health insurance providers to find your perfect match  ![10 (1)](https://www.more-health.co.uk/hs-fs/hubfs/10%20(1).webp?width=120&height=75&name=10%20(1).webp) ![Vitality](https://www.more-health.co.uk/hs-fs/hubfs/9%20(1).webp?width=120&height=75&name=9%20(1).webp) ![Aviva](https://www.more-health.co.uk/hs-fs/hubfs/8%20(1).webp?width=120&height=75&name=8%20(1).webp) ![The Exeter](https://www.more-health.co.uk/hs-fs/hubfs/13.webp?width=120&height=75&name=13.webp) ![WPA](https://www.more-health.co.uk/hs-fs/hubfs/12%20(1).webp?width=120&height=75&name=12%20(1).webp) ![National Friendly](https://www.more-health.co.uk/hs-fs/hubfs/14.webp?width=120&height=75&name=14.webp) ![AXA](https://www.more-health.co.uk/hs-fs/hubfs/11%20(1).webp?width=120&height=75&name=11%20(1).webp) Stop paying too much for health insurance ## Check If You Could Save Already have health insurance? We’ll review your current policy and help you understand whether it’s still right for you. **Request a Free Health Insurance Check** ## How the Review and Switch Process Works Our review process is designed to be simple and transparent. Step 1 ### Reviewing your current policy and renewal We start by reviewing your renewal terms and current policy benefits. Discuss any change in circumstances, such as your medical history, budget, hospital preferences, or cover priorities. Step 2 ### Market comparison We compare leading UK private health insurance providers against your existing cover, focusing on **like-for-like comparisons** so you can see the real differences. Step 3 ### Clear options explained simply We present your options clearly. This might include staying with your current insurer, adjusting your existing policy, or switching to a new provider. Step 4 ### Switching arranged smoothly (if you choose to move) If you decide to switch, we guide you through the application and underwriting process. We also ensure the timing works so your new policy starts when your existing one ends, avoiding gaps in cover. Step 5 ### Ongoing renewal support We continue to support you each year. At renewal, we review your policy again to help you maintain the right balance of cover and cost. ![why-choose-morehealth-to-compare-health-insurance-providers](https://www.more-health.co.uk/hs-fs/hubfs/Images/why-choose-morehealth-to-compare-health-insurance-providers.webp?width=567&height=819&name=why-choose-morehealth-to-compare-health-insurance-providers.webp) ## When Staying with Your Current Insurer Is the Best Option Switching provider is not always the best outcome. If your current insurer remains the strongest fit, we will tell you. In many cases we can help you explore adjustments that improve value while keeping your existing policy, such as:  Changing the excess level Changing the excess level  Adjusting outpatient cover Adjusting outpatient cover  Reviewing the hospital list Reviewing the hospital list Adjustments can be made at renewal depending on your current claim status. Our goal is simply to help you keep the most suitable cover. [Free Health Insurance Check](https://cta-eu1.hubspot.com/web-interactives/public/v1/track/click?encryptedPayload=AVxigLIkiGv5e1ajjS8u2KDFlfCVKogA3Hy1FyPZnAlM%2FBGEpv6mWPzzQnmRtOU%2B5rGw5fJdT6jd9YaGJ1YcvXIj9p24t94540egmU7UbZnO%2BL8Q5n586Zj4WKp8BTMuXB7HWAL7CWTtr91Rf1%2BguPwuhmOZKa65QLDf7NyzZVFAC2R9uMBHMxBmR%2B6P%2FLhCrgveozwL5epl4SDgrsKvzFQIOktU&portalId=147592284) ## Frequently Asked Questions   Do I have to switch insurers to save money? Not always. Sometimes small adjustments to your existing policy can improve value while keeping the benefits you already rely on. Will I lose cover for existing medical conditions if I switch? It depends on your current underwriting and what the new insurer offers. **Continued personal medical exclusions** can help protect your position in most situations. When should I start reviewing my renewal? Ideally **a few weeks before renewal**. This gives enough time to compare providers properly and complete any underwriting if you decide to switch. Although reviews can still be done up to 14 days after the renewal date. Can you review a policy you did not originally arrange? Yes. We regularly review **existing private health insurance policies** and explain the available options clearly. #### [![logo-morehealth-1](https://www.more-health.co.uk/hs-fs/hubfs/logo-morehealth-1.png?width=444&height=140&name=logo-morehealth-1.png)](https://www.more-health.co.uk/) Independent health insurance advisers helping you find the right cover with expert guidance. [Join us on Slack](tel:08000285540)[Browse our GitHub projects](https://wa.me/447833883247)[Browse our GitHub projects](mailto:info@more-health.co.uk) Quick Links - [About Us](https://www.more-health.co.uk/about) - [NHS Waiting Times](https://www.more-health.co.uk/nhs-waiting-times) - Hospital Finder - [Contact Us](https://www.more-health.co.uk/contact-us) Health Insurance - [Health Insurance Providers](https://www.more-health.co.uk/health-insurance-providers) - [Individual Health Insurance](https://www.more-health.co.uk/individual-health-insurance) - [Business Health Insurance](https://www.more-health.co.uk/business-health-insurance) Resources - [Guides](https://www.more-health.co.uk/health-insurance-guides) - [FAQs](https://www.more-health.co.uk/health-insurance-faqs) - [Blog](https://www.more-health.co.uk/blog) - [Glossary](https://www.more-health.co.uk/glossary) Copyright © 2026 Morehealth Limited - [Terms](https://www.more-health.co.uk/website-tcs) - [Privacy](https://www.more-health.co.uk/privacy-policy) - [Cookies](https://www.more-health.co.uk/cookie-policy) Morehealth Limited is authorised and regulated by the Financial Conduct Authority: 815733 and registered in England and Wales: 07613132 ```json { "@context" : "https://schema.org", "@type" : "LocalBusiness", "address" : { "@type" : "PostalAddress", "addressCountry" : "UK", "addressLocality" : "Rugby", "addressRegion" : "Warwickshire", "postalCode" : "CV23 0UY", "streetAddress" : "4 Mitchell Court" }, "alternateName" : "Morehealth Limited", "contactPoint" : { "@type" : "ContactPoint", "areaServed" : "GB", "availableLanguage" : "en", "contactType" : "customer service", "telephone" : "0800 028 5540" }, "geo" : { "@type" : "GeoCoordinates", "latitude" : 52.404033, "longitude" : -1.245169 }, "image" : "https://www.more-health.co.uk/hs-fs/hubfs/Images/Morehealth.webp", "logo" : "https://www.more-health.co.uk/hs-fs/hubfs/Images/logo-morehealth-1.webp", "name" : "Morehealth Limited", "openingHours" : [ "Mo-Th 09:00-18:30", "Fr 09:00-17:00", "Sa Closed", "Su Closed" ], "priceRange" : "£", "sameAs" : [ "https://uk.linkedin.com/company/morehealth-limited" ], "telephone" : "0800 028 5540", "url" : "https://www.more-health.co.uk/" } ``` ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Not always. 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