Leaving Your Job?

Here’s What Happens to Your Health Insurance — and How We Can Help You Keep Your Cover

Leaving a job comes with a long to-do list, Handovers, goodbyes, returning equipment, sorting out pensions… the list goes on.

One thing many people forget until the very last moment is what happens to their company health insurance. If you’ve enjoyed private healthcare through your employer, it can feel worrying to suddenly lose it, especially if you’ve had cover for years.

The good news is: you don’t have to lose it.You have options, and we are here to help you explore them.

Your Company Cover Ends When Your Employment Ends

Once you leave the business, your membership on the group scheme will stop. This is normal, your employer cannot continue providing cover when you’re no longer on payroll.

But that doesn’t mean your private medical cover has to end with it.

You May Be Able to Continue the Same Cover Personally

Many insurers allow something called continuation of cover. This means you can transfer your company policy into a personal policy without:

• Restarting waiting periods

• Losing underwriting terms

• Being re-assessed for previous conditions

• Having exclusions applied for anything you’ve already been treated for

This can be incredibly valuable if you want to keep continuity of care.

Not all insurers offer the same continuation terms, and the rules vary — which is where we come in.

We Can Help You Understand All Your Options

At Proactive Medical & Life, we specialise in supporting people who are leaving group schemes. Our job is to make the transition as smooth as possible.

We can:

• Check whether you qualify for continuation of cover

• Explain what the new premiums would look like

• Help you compare alternative options if cost is a factor

• Review the whole market to find suitable cover for your needs

• Handle all communication with the insurer on your behalf

• Give you clear, FCA-compliant guidance without jargon

There is no charge for our advice, and you’re not obliged to take out any policy.

Or You Might Choose a Fresh Start

If the cost of continuing your current cover is higher than expected, you may prefer:

• A different insurer

• A more stripped-back plan

• A policy with only the essentials

• Or to start new underwriting if your medical history allows

We help you weigh up the pros and cons so you can make an informed decision that suits your lifestyle and budget.

Here’s How to Get Started — It's Simple

Just get in touch with us and we’ll guide you through everything at your pace.

Email: info@proactiveinsurance.co.uk

Phone: 020 8207 7394

Website: www.proactiveinsurance.co.uk

We’ll ask a few quick questions, check your eligibility, and then explain your options clearly. No pressure. No confusing insurance jargon. Just straightforward help.

You Don’t Have to Make This Decision Alone

Health insurance can feel complicated, especially at a time when you’re already navigating change in your career. But you don’t have to figure this out yourself.

We’ve supported thousands of employees just like you as they move from company cover to personal cover, and we’d be very happy to support you too.

Whether you want to continue your existing benefits or explore new options, we’ll help you understand what’s best for your circumstances.

Final Thoughts

Leaving your job marks the end of one chapter, but it doesn’t have to be the end of your private medical cover.

With the right guidance, you can keep the protection you value, stay in control of your healthcare, and ensure you’re covered exactly the way you want to be.

When you’re ready, we’re here to help.Just drop us a message or give us a call.