Switching Existing Private Health Cover
An existing private medical insurance policy should still reflect your needs, priorities and budget. If the premium has changed, service has disappointed you or your circumstances are different, it may be worth reviewing the alternatives.
Shield can compare your current arrangement with suitable WPA options and explain important differences before you decide whether changing provider is right for you.
Why Review Your Existing Health Insurance?
People review cover for many reasons: rising premiums, changing family circumstances, different benefit priorities or a desire for more personal support. A review does not assume that switching is the best outcome. If moving would not be in your best interests, Shield will explain why and recommend staying with your current provider.
This can be particularly important where pre-existing conditions or ongoing treatment could be excluded or treated differently under a new policy. You will have a clearer understanding of your current cover and any suitable alternatives. Have your current policy schedule and renewal information available where possible. This helps Shield compare your position with suitable Personal Health Insurance options from WPA.
How Switching Private Medical Insurance Works
Points to Check Before You Switch
Protecting Continuity of Cover
Switching private medical insurance needs particular care where you have recent medical history, treatment underway or a claim in progress. A new insurer may assess those circumstances differently, depending on the underwriting available and agreed.
Shield will explain the information WPA needs and the basis on which cover is offered. WPA decides whether to accept an application and manages any future claims.
Questions About Switching Health Insurance
Support When Customers Change Provider
Customers value clear comparisons, a smooth transition and having their questions answered before making a decision.
Start with a Review of Your Existing Cover
Tell Shield what you currently have and what you would like to change. The initial review and quotation are free.
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