Leaving Your Company Health Insurance Scheme 2026

Leaving Your Company Health Insurance Scheme: What You Need to Know 2026 - 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 38% by switching with us # Leaving Your Company Health Insurance Scheme: What You Need to Know When you leave a job, one important thing to think about is how to keep your private health insurance. This guide will help you understand the options available after leaving your company’s health plan. It explains different types of insurance policies, like Moratorium, Full Medical History and Medical History Disregarded. Each option affects what’s covered and how much it costs. Knowing the differences can help you make the best decision. ## Get Tailored Health Insurance Quotes from Top UK Insurers - - - - - - - ## What Happens When You Leave a Company Health Insurance Scheme? When you leave a company health insurance policy, your medical insurance usually ends around your last working day, leaving you without a health insurance plan for new treatments, ongoing treatments, or planned treatments. Pre-existing conditions that were covered under the company plan may also be excluded from future claims To avoid a gap in healthcare protection, you can switch to an individual health plan or opt for a “Group Leaver” policy, designed for those leaving a company scheme. These options allow you to continue your medical incurance policy, but it’s crucial to compare policies to ensure your needs, especially pre-existing and ongoing treatments, are fully covered. ## Options after leaving your company health insurance policy ### Group Leaver Policy Many health insurance companies, such as AXA, offer “Group Leaver” policies designed for individuals transitioning from employer-sponsored health plans. With an AXA Group Leaver policy, you can maintain similar benefits to what you had with your employer’s plan, often without needing to go through medical underwriting. This means you won’t have to answer detailed health questions, which makes the process simpler and faster. For example, if you had health cover for consultations, hospital stays, and certain treatments while employed, an AXA Group Leaver policy can continue to provide those benefits. However, it’s essential to review what’s covered and what might be excluded, as some