FAQs for Individuals
What do I need to do to get covered?
We can organise your cover over the phone or by you completing a simple application form, there are no medical questions just some basic details such as names, dates of births, PPS number of one adult, home address and level of cover selected, it is that simple.
How can I transfer from my current insurer?
We will provide you with a letter that you send to your current health insurer to cancel your cover.
How can I pay for my health insurance?
You can pay by monthly direct debit, annual credit/debit card, and annual cheque.
Will I be covered straight away or is there a waiting period?
There is no break in cover, no new exclusions and no reserving of waiting periods if you are switching from an equivalent plan with your current health insurance provider to a new health insurance provider.
If you are taking out health insurance for the first time there will be a waiting period and there may be exclusions applied if you have a pre existing condition. A member of our team will go through all details with you.
Can I switch health insurer mid year?
Yes, you can switch your health insurance at any stage you wish to and be legally entitled to a full refund for any overpayment of premium from your existing health insurance provider.
Do I have to wait until my renewal date to upgrade my plan?
No, you can upgrade your plan at any time. Our team will be happy to give you advice on which plan would be most appropriate for you. Please note that a waiting period may apply to the upgrade in cover.
FAQs for Companies
How many employees do I need to start a company scheme?
A group scheme can be set up for companies wishing to cover one or more people. It is a very straightforward process; you can either switch from your existing insurer today or you can set up a group scheme by contacting us if you do not have one in place at present.
Will I be covered straight away or is there a waiting period?
There is no break in cover, no new exclusions and no reserving of waiting periods if you are switching from an equivalent plan with a current health insurance provider to a new health insurance provider.
If you are taking out health insurance for the first time there will be a waiting period and there may be exclusions applied if you have a pre existing condition. A member of our team will go through all details with you.
Can we switch our scheme mid year?
Yes, you can switch your health insurance scheme at any stage you wish to and be legally entitled to a full refund for any overpayment of premium from your existing health insurance provider.
Can I choose the start date for our group scheme?
Yes, you can choose a start date that suits you best and we will work closely with you to choose this date when we are helping you to set up your group scheme.
Is there a lot of paper work setting up a Health scheme?
Starting your Health scheme couldn't be simpler. You choose your plan, your start date and select a payment option that suits you best, send us the details of the people on your scheme and that's it, you're covered.
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