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With most insurers you can lower your outpatients from unlimited to £1000, £500 or no outpatients, it’s worth seeing how much you can save by doing this. On average most clients will typically only see 1 specialist a year meaning you might be over insuring yourself and costing you money.

Increasing your excess can reduce your policy, its worth playing about with the excess amount as more often than not you can save more money over the year than what the extra in excess is! most insurers like BUPA, AXA, Vitality can offer £100, £200, £250 and £500 excess Aviva offer a huge £3000 excess with there plans.

The most expensive part of any health insurance policy is the hospital list! however this can also be the most important part. All insurers have different tiers of hospital lists ranging from local to full directory. Its worth seeing if a lower hospital list still covers the consultants and hospitals that you prefer, if a low list suit your needs it could save you a lot of money!

There are two companies that offer a 6 week option these are Aviva and AXA PPP. A 6 week option can save you up to 40%. however this will downgrade your plan when claiming for inpatient or day patient treatment. With this clause it means the insurer will see if the treatment can be dealt with via the NHS within the 6 week period, otherwise the insurer will have to take on the treatment as normal.

Sometimes when you take out a plan you might have opted for an add on like dental or travel, its worth reviewing these add-ons if you are not using them to see how much it can save you at renewal. Other popular add-ons are, cancer assist, optical and protective no claims. One insurer called The Exeter offer a no NCD plan this can be expensive but can also save you a lot of money if your calming a lot.

It’s worth asking your broker to talk to your existing insurer for discount, some insurers can offer 1 or 2 months free. With AXA PPP they offer a buy back of a claim and this can increase your NCD. BUPA have a loyalty team however they can only talk to the client direct and can sometimes offer discounts.