If, during the cooling-off period, I either change plan or change insurer does the new plan automatically backdate to the beginning of the cooling-off period?
My plan auto-renewed on Jan 1st but if I were to change now to either a different VHI Plan or indeed to a different insurer would there be an uninsured period from Jan 1st to the date of commencement of the new policy or would there be an automatic backdating to Jan 1st?
This might become significant as my wife presented to our local GP on 5th Jan and there will be follow-up assessment/treatment required. (I’m not even sure that my current insurer would provide cover even if there was no break in cover).
My plan auto-renewed on Jan 1st but if I were to change now to either a different VHI Plan or indeed to a different insurer would there be an uninsured period from Jan 1st to the date of commencement of the new policy or would there be an automatic backdating to Jan 1st?
This might become significant as my wife presented to our local GP on 5th Jan and there will be follow-up assessment/treatment required. (I’m not even sure that my current insurer would provide cover even if there was no break in cover).