If you are thinking about switching insurance provider, there are several things you need to consider:

• It is best to consider switching provider when your current policy reaches its renewal date, or you may incur a fee for switching provider before the insurance contract ends.

• You should consider the benefits, policy terms and cover limits from different providers carefully, so you can choose the cover that is right for you.

• Some insurers might not cover illnesses or injuries you have experienced recently or any conditions you currently have, even if these are covered by your existing insurer.

Although policies can differ, medical treatment usually starts with a referral by your GP for specialist treatment. Before you arrange any private treatment, you should call your insurer to check that you are covered for the treatment.

Stay in touch with your insurer at each stage of your treatment so they can confirm your cover. It is likely that treatment for some illnesses, including pre-existing conditions will not be covered by an individual private medical insurance policy.