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When leaving an employer seek best medical insurance deal

Association of Medical Insurance Intermediaries

Employees switching employer or retiring may be losing out on the best private medical insurance deals, according to the Association of Medical Insurance Intermediaries (AMII).


When any individual with company health insurance leaves their job to go to a new one or retires, they should be given a group leaver option enabling them to continue to have insurance cover in their own right. This can sometimes be a very good deal.


Debbie Kleiner-Gaines from AMII warns, "For those wanting to continue with medical insurance, they should most definitely use this opportunity to shop around. Although cover for pre-existing conditions should always be a major consideration, that aside they may find a better deal elsewhere both in terms of cost and overall cover.”


For example, in one instance the group leaver option quote was £320 per month for a man aged 40 with a family moving from his engineering job in the Midlands to a new job in the same area, while by shopping around he could get the same cover for £146 per month. And a man taking retirement at aged 60 could get similar cover for £228 per month whereas his group leaver option quote was £280 per month.


You should use the group leaver option when you are in the middle of treatment and need continuation of cover.

Private medical insurance news: 10 February 2012