What does Continuing Personal Medical Exclusions (CPME) mean when switching health insurance?

CPME Explained

There are times when you may want to switch your health insurance provider. Perhaps your premiums have risen and you’re looking for a better deal? Or, maybe you are looking for a more comprehensive private medical insurance policy?

One of the main concerns people have when they switch health insurance is that any pre-existing medical conditions won’t be covered, particularly if you are receiving treatment that is paid for by your current insurer.

Continuing Personal Medical Exclusions (CPME) underwriting is offered by some insurers and aims to ensure that you retain the same level of health insurance cover when you switch providers. It is sometimes called ‘protected underwriting’, ‘switch’ or ‘no worse terms’.

Under a CPME arrangement, you would supply your new health insurance provider with a copy of your most recent insurance certificate. The new PMI provider would copy any personal medical exclusions from the existing policy, meaning that your exclusions would remain the same. However, crucially, they would not add any new exclusions.

All the other policy benefits, terms and conditions of the new insurer will apply even if they differ from those of your previous insurer.

This type of underwriting is important if you have received treatment for a condition since you took out your PMI policy. You don’t want to be left in a situation where your new provider won’t insure you for an existing condition that is covered by your current private medical insurance provider.

If you are considering switching your health insurance provider it’s vital that you make sure you don’t lose any important benefits. Briggs & Butler can help you. We’re PMI specialists and when you complete our online form we’ll connect you with a leading FSA registered broker. They will discuss your private medical insurance needs with you and compare health insurance to find the right policy for you. They can also help you to ensure that any existing conditions are covered under your new policy. Simply complete the online form now to find out more.

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