Start with what you already have
We examine the policy schedule, wording, accepted underwriting terms and renewal information. We identify what is working before discussing what is missing. A premium alone cannot tell you whether two proposals are equivalent.
Three possible outcomes
Keep your policy; adjust it where the insurer permits; or investigate a different arrangement. Changing intermediary may also be possible, but needs confirmation for the relevant insurer, contract and country. It is not the same as taking out a new insurance policy.
Continuity comes first
A cheaper offer is not automatically a better outcome if accepted medical conditions, waiting periods or other rights change. We compare the new written terms with the existing position. Do not cancel while acceptance, exclusions, start date or continuity remain unresolved.
What to prepare
Bring your current insurer and product name, renewal date and the questions you want answered. We will arrange an appropriate route for documents after initial contact. Do not upload health records to this website or send them through a public messaging channel.
Editorial draft · final adviser review before publication