How to renew your health insurance 2026

How to renew your health insurance? - Get fast access to treatments, avoid NHS waiting lists - Get access to top UK consultants and private hospitals - Get speedy diagnostics and tests - Save up to 23% by switching with us # How to renew your health insurance? Health insurance typically covers 12 months. Around the 11th month, you will receive your renewal terms from your current health insurer via post or email. You’ll have a 30-day window, plus a 14-day cooling-off period, to make a decision. During this time, you can amend your policy, add or remove family members or switch to a different health insurance provider. In this guide, our health insurance specialists will provide valuable advice on how to renew health insurance policy. ## Get Tailored Health Insurance Quotes from Top UK Insurers - - - - - - - > ## More Britons are choosing health insurance after COVID-19 > > Since COVID-19, more people, families, and businesses are choosing health insurance. The pandemic highlighted issues like long NHS waiting times and made private healthcare more appealing. People want quicker access to treatments, better care and faster recovery to return to work. The rise in demand for health insurance is also driven by the desire for more control over healthcare. Since 2019, the number of people in Britain buying health insurance has doubled. Now, about 23% of the population has health insurance, whether privately or through their employer. This shift shows that more people are taking charge of their health and looking for alternatives to the NHS. > > When you first get health insurance, you have two options for underwriting: - Moratorium - Full Medical Underwriting. After 12 months, your premium will likely increase by 12-20%, even if you haven’t made a claim. This is because of general inflation, medical costs and other insurance factors. If you have made a claim, expect your premium to rise even more. So, what should you do if your medical insurance renewal premium goes up? Let’s look at your options. ## Why do health insurance premiums increase every year? Health insurance gets more expensive as you get older. When it’s time to renew your policy each year, the price can go up. This is because older people are more