Review the increase
We assess the renewal in context and negotiate with the current insurer using relevant scheme and market information.
Renewal reviews
Don’t just accept
the renewal price.
We review the terms, compare suitable alternatives and look for opportunities to reduce cost or improve benefits, while considering underwriting and continuity.
How we help
Benchmark suitable alternatives
We compare relevant options across price, cover, service, underwriting and switching implications.
Seek a suitable outcome
Depending on the market and your needs, this could mean a lower premium, different benefits, a revised structure or remaining with the current insurer.
A renewal handled properly
A proper review, not just a price spreadsheet.
Switching insurer can affect underwriting, hospital access and benefits. We explain material implications before making a recommendation.
We listen first
We talk through your current scheme, budget, workforce and what you would like the renewal to achieve.
We understand the detail
We gather the membership, benefits and relevant claims information needed for a meaningful review.
We test and negotiate
We benchmark suitable alternatives and use relevant evidence when negotiating with the current insurer.
We explain and recommend
We make the options clear, explain important trade-offs and recommend a suitable way forward.
Current premium and renewal movement reviewed
Claims information considered where available and relevant
Benefits compared on an appropriate basis
Underwriting continuity and switching risks explained
Negotiation with the current insurer where appropriate
Recommendation supported by clear evidence
Renewal stories from real clients
Better value. Thoughtful advice.
A genuinely human experience.
★★★★★
Considerable savings with comparable or better cover
Haydee says the team presented different health-plan options, achieved a considerable saving and made sure the replacement cover was comparable or better, while remaining professional and helpful.
Haydee Edgely21 March 2026 · Trustpilot
★★★★★
Thousands saved, with support throughout the year
Elle’s 12-person business saved thousands at renewal and valued the prompt, efficient help provided whenever questions arose during the policy year.
Elle Palmer29 May 2026 · Trustpilot
★★★★★
Money saved and genuinely personal service
Ian describes an efficient, effective renewal that saved money and delivered the kind of dependable, personal service that made the whole experience a pleasure.
Ian Bond2 July 2026 · Trustpilot
Reviews are paraphrased from individual customer experiences. Premiums, savings, cover and outcomes vary and are not guaranteed.
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Your scheme support, together in one place.
Preview the planned Secure Choice Client Hub for employer scheme contacts. Find documents, request member changes, ask questions and follow progress, while keeping a real person close by.
This is a design demonstration and is not connected to live client records. A friendly voice is waiting
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or meet in person.
However you prefer to talk, you’ll meet a real person who takes time to understand your business and your people.