020 3062 6200
“No pressure. No sales scripts. Just honest advice.”
Many people stay with the same health insurance provider for years without reviewing their options. Over time, premiums can increase, while your needs and circumstances may change. Other insurers regularly introduce competitive pricing and updated benefits to attract new customers. Reviewing your cover can help ensure you are not paying for features you no longer need, or missing out on better value elsewhere. Switching does not always mean changing everything. In some cases, a simple adjustment or a like-for-like comparison can make a meaningful difference.
We’re always committed to doing right by our customers and see them as the core of our business. Our approach to the comparison of health insurance never involves being pushy and hard sales tactics are never used. We won’t recommend a plan unless it is in the best interests of our customers.
This means that 95% of our customers choose to continue using our services year after year, demonstrating their satisfaction and trust in us.
A cheaper policy is not always better if it removes important benefits. We help you understand the areas that matter before switching.
| Area we review | Why it matters when switching | How Tessa Alliance helps |
|---|---|---|
| Premium and excess | Your monthly cost may reduce, but excess changes can affect what you pay if you claim. | We compare price against the overall value and explain excess options clearly. |
| Underwriting | Switching can affect how existing conditions are treated, depending on your history and the underwriting method. | We explain whether like-for-like or CPME-style switching may be suitable where available. |
| Hospital access | Different providers and hospital lists may give access to different private hospitals and specialists. | We help you compare hospital access before you decide. |
| Cancer cover | Cancer benefits can vary significantly between insurers and policy levels. | We highlight important differences in treatment pathways, drugs and ongoing support. |
| No-claims discount | Your no-claims position may influence the premium offered by another insurer. | We check how your claims history may affect the quote and explain the options available. |
In many cases, switching can be arranged on a like-for-like basis, meaning existing conditions may continue to be covered. This depends on your current policy and medical history. We explain your options clearly before you decide.
Yes, switching before your renewal date is sometimes possible, provided you have completed a minimum of 12 months with your current provider. However, it may not always be the most cost-effective option. We will advise whether switching early or waiting until renewal is the best choice for your circumstances.
Your no-claims discount can often be mirrored when switching insurers. We check this during the comparison process and explain how it affects your premium and cover.
Switching is usually straightforward with the right support. We handle the comparison, explain any differences in cover, and guide you through each step so there are no surprises.
Compare your current policy with suitable options from leading UK health insurers. No pressure, no obligation and clear guidance before you decide.
*The “save up to 40% on average” statement is based on Tessa Alliance switch health insurance customer records from January 2025 to January 2026 where a saving was achieved. Individual savings are not guaranteed and depend on personal circumstances, current insurer, renewal premium, underwriting, cover level, hospital access, age, postcode and the policy selected.
Switching health insurance may affect underwriting terms, exclusions, continuity of cover and benefits. Tessa Alliance will explain your options before you decide whether to proceed.
