Renew Your
Health Insurance.
Review your cover before you renew.
Your health, circumstances and priorities can change over time. Your health insurance should continue to provide the protection that is right for you.
At Swan Protect, we help you review your current private medical insurance policy, understand your renewal terms and explore whether another suitable option may offer better value or benefits.
Has your renewal arrived?
Before accepting your insurer’s renewal offer, it is important to check whether your existing cover still meets your needs.
We will explain your options clearly so you can decide whether to remain with your existing insurer or consider a suitable alternative.
Our advisers can help you review:
Why review your policy
with Swan Protect?
Simply allowing a policy to renew may mean missing an opportunity to review your cover and costs.
Personalised Support
We take the time to understand your healthcare priorities, budget and current policy benefits.
Existing Cover Review
We can help you understand your current insurer’s renewal terms, including any changes to your premium, excess or benefits.
Alternative Options
Where appropriate, we can explore alternative plans from the insurers available through us.
Clear Explanations
We explain important differences between policies, including underwriting, exclusions, hospital lists, benefit limits and claims procedures.
Ongoing Assistance
Our team remains available to support you with general policy queries after your renewal has been completed.
How the renewal
review works
Send Us Your Renewal Details
Provide your contact information and a copy of your latest renewal invitation or policy schedule.
Speak with an Adviser
One of our health insurance advisers will discuss your existing cover, healthcare priorities and budget.
Review Your Options
We will explain the options available through us, including the important benefits, costs, limitations and exclusions.
Make an Informed Decision
You can decide whether to renew with your existing insurer or apply for a suitable alternative policy.
We can help with
different types of cover
Swan Protect can assist with the renewal of health insurance for a wide variety of clients. The insurers and options available may depend on your circumstances, location, medical history and the type of cover required.
What information will we need?
Providing complete and accurate information will help us assess the options available to you. To review your renewal, we may ask for:
Ready to share your details securely?
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Important considerations
when changing insurer
Moving to a new health insurance policy is not always the best option. A change of insurer or underwriting method may affect how existing or previous medical conditions are covered.
New exclusions, restrictions, waiting periods or different benefit limits may apply. Our advisers will explain the important differences before you make a decision.
You should not cancel your current policy until:
Let's review
your cover.
Fill out the details below and one of our specialists will get to work on finding the best options for your renewal.
100% Secure & Confidential
Your data is encrypted and never shared with third parties without your explicit consent.
Fast Turnaround
We aim to review your policy and contact you with actionable insights within 24 hours.
Important Information
Please review these important details regarding our service and your policy terms.
Our Role
Swan Protect is an insurance broker and not an insurer. We may receive commission from the insurer for arranging or renewing your policy. Details of our remuneration and any fees will be explained in accordance with the applicable requirements and our terms of business.
NHS vs Private Care
Private medical insurance is designed to cover eligible private medical treatment in accordance with the policy terms. It is not designed to replace all services provided by the NHS.
Your Responsibility
You should carefully review the insurer’s policy documents, terms and conditions, exclusions and policy schedule before purchasing or renewing cover.
Eligibility & Terms
The availability, price and terms of insurance will depend on your circumstances and the insurer’s eligibility and underwriting requirements. Policy exclusions, benefit limits, excesses, waiting periods and other conditions may apply.
Frequently Asked
Questions
Common questions about health insurance renewals, premiums, and switching providers.
Still unsure about your options?
Our team is available to help answer specific questions regarding your current policy.
Request a callbackWhy has my health insurance premium increased?
Health insurance premiums may change for several reasons, including your age, claims experience, medical inflation, changes to insurer pricing and changes to your policy benefits. Your insurer’s renewal documents should explain your new premium and any important policy changes.
Can Swan Protect reduce my renewal premium?
We cannot guarantee that a lower premium will be available. However, we can review your existing policy and explore whether suitable alternatives or changes to your benefits may be available. Options could include changing your excess, hospital list or level of outpatient cover. Reducing benefits may lower the premium but will also reduce the protection provided.
Can I keep the same insurer?
Yes. Where appropriate, you may choose to remain with your existing insurer. Our role is to help you understand the options available so you can make an informed decision.
Can I change insurer if I have made a claim?
It may still be possible to consider another insurer, but previous or ongoing medical conditions and claims could affect the terms offered. It is important to understand how a new insurer would treat your medical history before changing cover.
Will my pre-existing conditions remain covered?
This depends on your existing policy, the new insurer, the underwriting method and the terms offered. Never assume that existing conditions will automatically continue to be covered after switching insurer. We will explain the information provided by the insurer, but you should carefully review all policy documents and exclusions.
Do I have to change insurer?
No. A renewal review does not require you to switch. After reviewing the options, you may decide that remaining with your current insurer is most suitable.
Don’t automatically
accept your renewal.
Your renewal is an opportunity to make sure your health insurance continues to meet your needs. Speak with Swan Protect before accepting your renewal offer.
Swan Protect is a trading style of [insert full legal company name], which is authorised and regulated by the Financial Conduct Authority under firm reference number [insert FRN].
Registered office: [insert registered office address].
Registered in England and Wales under company number [insert company number].
You can check our regulatory status on the Financial Services Register. For details of our services, insurer relationships, remuneration and complaints procedure, please read our Terms of Business.
If you are unhappy with our service, you may be entitled to refer your complaint to the Financial Ombudsman Service.