What is private health insurance with continuing personal medical exclusions or CPME?

15.11.2021 ∙ Roman Danaev ∙ 10 min read

Private health insurance with Continuing Personal Medical Exclusions (CPME) is an excellent policy for looking to change providers. Private medical insurance renews yearly, which means that you have the opportunity to review your premiums against all other policies across the UK market to find out which plan will work best based on your cost and coverage needs.

Private Healthcare Plans typically last 12 months before needing renewal; during this time, it’s important to compare rates and read over any exclusions or limits present within one’s own private health care plan. If you want to keep your current insurer’s underwriting terms when switching to another health insurance provider- then make sure that they allow CPME. However, no additional exclusions will be added.

Our insurers

Read thorough guides about health insurance in our Healthhub! We write guides for people to help them pick the best medical insurance in the UK and take care of their health

How does continued personal medical exclusions underwriting work?

For switching from a CPME health insurance policy, you’ll need:


Your most recent certificate (copy).


Details on any claims that have been made during this period.


Basic personal details, including medical history.

Though not utilised to underwrite a new plan, medical history will be required by the insurer. It will allow them to determine whether they can provide cover with the same conditions as before and assess the risks involved.

CPME underwriting is essential because it lets you keep any existing exclusions from your old plan. However, CPMEs only apply when switching to a new insurer, and they don’t allow for adding in any more conditions that were not covered previously.

It’s important to read the small print carefully before signing up for a new provider so that you don’t accidentally get exposed by an exclusions clause.

What type of cover are you looking for?





When do i need CPME health insurance underwriting?

For instance, if you have found cheaper premiums or better benefits with another insurer, you can make the transition.

CPME underwriting is an attractive option for those that have had their previous medical condition treated by another provider. The insurer will not analyse your medical history from the beginning. So, you may retain this level of cover as with the providers before – with no fresh exclusions on file. However, it’s vital to note that any current exclusions from the previous policy may still apply when switching over to the new policy.

Switching health insurance policies can be a daunting task. You may have pre-existing conditions that will affect the coverage you receive, or your old plan might not cover anything at all and leave gaps in treatment options for when something goes wrong with one of these plans. To make sure everything is done correctly, we recommend hiring an expert to help guide this process.

Are continuing personal medical exclusions (CPME) affected on switching my health insurance policy?

Suppose you are a Health Insurance policy holder and are looking for an alternate option. Is it possible for the same treatment to be covered under the new plan?

How to change insurer?

Continued personal medical exclusions underwriting is a great way to find alternative cover for those who already have health insurance. Covered individuals may seek this option if their current plan does not meet all of their needs and they want an enhanced level or better value.

When setting up a health policy for the first time, there are two options; either declaring your medical history in full or agreeing to moratorium underwriting. This policy would not cover a condition suffered during the past five years for two complete annual periods.

What happens if i switch my medical insurance cover?

If you switch your health insurance policy on a continuing personal medical exclusions basis, your new insurer will take on the risk by providing cover matching the original terms and conditions.

For instance, let’s say you had planned on renewing your policy next month but were curious as to whether there was anything cheaper or better on the market.

How does medical history and cpme work for treatment?

Suppose you develop a medical condition in your first year and have some treatment for it. Following this, you take out a new health plan without CPME terms. This treatment would not be covered in the new policy. The CPME switch means that if the condition resurfaces in the future, the private medical insurance would still cover it because they had agreed to take on the risk of the previous policy.

So, is CPME worth it?

If you are considering changing insurance companies, it may be worth exploring CPME underwriting. This type of coverage is particularly attractive for those with a history of certain conditions treated by another provider and who want to use the CPME to switch without worrying about losing their existing exclusions from an old plan.

Latest articles

21.04.2022, 10 min read

The cost of small business health insurance in 2022

Both individual and corporate health insurance is expensive. However, it's important to protect your employees' physical and ...

Learn more
21.04.2022, 10 min read

How to get a doctor's appointment: Read on to find out

It's very important to know exactly what to do when you have a health problem, especially in case of ...

Learn more
21.04.2022, 10 min read

Why do companies offer health insurance benefits?

When starting or running a small business, it’s important to make sure you have the resources necessary to keep ...

Learn more

Contact Us


Alpha House, Regis Road, London, NW5 3EW


020 3318 2328



Business hours

Monday to Friday (8am - 7pm) and Saturday (9am - 6pm).

Have a any questions?

Speak to a real person!