Hi guys, my health insurance is up for renewal on the 15th April
Hi Maxie. I think that all Quinn Healthcare policies renew on the first of any given month, so you should double check this renewal date.
However, if you do decide to switch, the renewal date doesn't make much of a difference as generally, you can switch at any time and get a proportional refund of subscriptions.
Regarding staying with Quinn for the time being, there have been ads in the papers stating that Quinn Healthcare quoting the provisional administrators as saying they are operating as normal for the time being and paying claims as normal, etc.
If Quinn Healthcare were to be wound up and they decided to end your plan, their own rules state they must write to you thirty days before the end of your membership year to do this. Rule 4(a) states:
"Your membership of the schemes can be renewed by you at the end of each year (subject to Rule 10 on page 16) for a further year unless we write to notify you at least 30 days before the end of the year that we have decided to end the schemes in which case your membership of the schemes will end at the end of the year in which we notify you of our decision."
It looks like you've received your renewal information, so you would seem to be fine for another year at least. Rule 10 is about changes to the agreement, e.g. price changes, benefit changes.
Personally, if I were in your situation, especially given that the birth is less than two months away, AND assuming you're happy with the service and deal from Quinn, I'd stay where you are for the time being. That said, I always recommend shopping around at renewal anyway, to make sure you are getting the best deal.