Switching Existing Business Health Cover

Business health insurance should continue to meet the needs of your workforce and organisation. If costs, service or benefit priorities have changed, a structured market review can show whether your current scheme still provides the right fit.

Shield will examine the existing arrangement, explain suitable WPA alternatives and highlight material differences before you decide whether to move.

Review the Whole Scheme, Not Just the Premium

A lower headline price does not automatically mean better value. Benefit limits, hospital access, underwriting, employee eligibility, ongoing treatment and service all matter. Shield will help you compare the substance of the arrangements as well as the cost.

Provide your current renewal terms, membership details and benefit schedule where possible. Shield can then compare the arrangement with suitable Business Health Insurance options from WPA.

A Clear Process for Changing Business Cover

Step 1

Understand the Existing Scheme

Review current membership, benefits, claims context, underwriting and renewal terms.
Step 2

Confirm Business Priorities

Identify what should be retained, improved or managed differently within the proposed scheme.
Step 3

Consider Suitable WPA Options

Compare relevant cover, costs and important differences with the existing arrangement.
Step 4

Plan the Transition

Agree acceptance, start dates, employee communication and cancellation of the old scheme.

Important Switching Considerations

Continued Medical Exclusions

Understand how medical history and existing exclusions will be handled.

Treatment Already Underway

Check the position for members receiving or awaiting treatment.

Benefit and Hospital Changes

Review any differences employees will notice when using the scheme.

Employee Categories

Confirm who remains eligible and whether benefit levels change.

Administration and Digital Tools

Consider how membership changes and scheme information will be managed.

Communication

Give employees clear information before the new scheme begins.

Protect Employees During the Transition

Do not cancel an existing business scheme until the replacement has been accepted, the start date is confirmed and important differences are understood. Particular care is needed where employees have ongoing claims or treatment.

WPA is responsible for accepting applications and managing claims. Shield will support the advice, recommendation and application process and remain available at renewal.

Switching Business Health Insurance FAQs

Can a business switch health insurer at renewal?

What information is needed for a review?

What happens to treatment already in progress?

Will employees need to complete medical forms?

A Clearer Route Through Scheme Change

Business customers value careful explanations, responsive communication and support that keeps the transition organised.

John Mallon
4 weeks ago
My family's dealings with Mark & Lewis (and Shield overall) have always been friendly, efficient, accurate and helpful. Everyone at Shield is highly competent and easy to contact when needed. Highly recommended!
Greg Davie
3 months ago
Excellent service from Mark and Lewis at Shield Healthcare Solutions. Professional, knowledgeable and highly responsive throughout the entire process. They made everything straightforward, kept us informed at every stage and were always on hand to answer any questions. A pleasure to deal with and I would happily recommend them to anyone looking for healthcare finance support.
Mark Farrell
3 months ago
Lewis at Shield Healthcare Service went above and beyond to help me navigate my private healthcare. He made the entire process simple and stress-free, ensuring I got exactly what I needed. His support was invaluable truly exceptional service!
Antonia Coia
4 months ago
Fabulous practice Lewis & Marc are so dedicated to their Business & have a wonderful team around them I would not hesitate to recommend them Understanding their clients is what they excel in Help and advice is always at hand 5 Stars every time Alfredo Coia & Coia’s Restaurant & Cafe
D Mcc
4 months ago
I was referred to Lewis via WPA insurance. Lewis was very professional and he explained things in simple terms to allow me to understand and have all of the information I needed to make an informed decision about whether WPA was the right insurance for me. 5 star service.
Alexander Thom
4 months ago
Lewis and the team at Shield Healthcare provide and excellent service. Would highly recommend for any health care and physio therapy’s needs. Cebotec. - DL
Dave Williamson
4 months ago
Been with Lewis at Shield Healthcare for just over a year and it is so refreshing to have this level of 1-2-1 friendly, sincere service and so easily reachable by telephone. I have nothing but a positive experience and would highly recommend
Jordan Ewing
4 months ago
Clear communication to meet there clients requirements, smooth transition from my previous health care provider. Highly recommended!
Craig Purdie
4 months ago
Excellent service here from Lewis Mitchell. I decided to take out a fully comprehensive medical cover policy which Lewis facilitated. WPA is the insurer. The process was painless and Lewis explained it all inside of ten minutes and I was sold. Great assured cover for all my potential medical needs at a very reasonable cost. Highly recommend the peace of mind that this has given me. Thank you Lewis 💥
Susie
4 months ago
Lewis is always easy to get a hold of and very obliging. Happy to help where he can and offer advice for our growing team.

Review Your Existing Business Scheme

Share your renewal position and priorities with Shield. The initial scheme review and quotation are free.

Prefer to speak to someone?

Business Enquiry Form