Our planned approach
A review built around the people it is for.
This is the customer journey we are preparing. It is not a service currently available to book or buy.
Four stages we are designing.
Understand each person
Record current cover, household members, individual priorities, budget, cover history and communication or support preferences.
Check the detail
An adviser reviews relevant plan information, original insurer documents, costs and potential gaps against those needs.
Explain the recommendation
The planned written review sets out the reasoning, important differences, waiting-period implications and trade-offs for each assessed person.
Leave the decision with you
You decide whether to act. A recommendation is not a guarantee of savings, insurer acceptance or payment of a future claim.
Different people may need different cover.
Our proposed service is designed to consider each person separately. Where supported by the assessment and available evidence, that may lead to different plans or providers for different household members.
A lower headline premium is only one consideration. Benefits, excesses, hospital access, limits and cover history also matter.