Switching to us.

We’ll normally provide cover on the same basis for existing members, which means we can match the previous insurer’s benefit level and terms. It also means we won’t normally need to underwrite members whose benefit level is above the free limit. The cost may not necessarily be the same and can go up.

We’ll need full details of all cover for scheme earnings or benefit that exceeds our free limit, or where cover with the previous insurer has special terms attached. We won’t normally ask for medical evidence for an existing member if their cover with the previous insurer was for their full benefit entitlement as long as they meet our standard switch terms.

We’ll usually provide cover for these members on the same terms and benefit levels, but not necessarily at the same cost, as the previous insurer. To do this, we’ll need to receive a copy of the insurer’s latest letter of acceptance or a declaration – switch terms. We can’t provide cover until we receive one of these.

If we’re given full details, we’ll consider the switch terms even where cover is below a member’s full benefit entitlement and the previous insurer’s terms don’t fall within our standard switch terms.

For cover accepted under our ‘switch terms’ with special terms attached, we’ll need to medically underwrite on the first increase in cover above our free limit or above that accepted by the previous insurer.