£100 Save-You-Money Renewal Guarantee
Terms and Conditions

  1. This offer applies to customers approaching their private medical insurance renewal date who ask The Private Healthcare Company to review and compare their policy ahead of renewal.
  2. We will compare your current policy against private medical insurance options from Bupa, AXA Health, Aviva, WPA, The Exeter, and Vitality Health, including any alternative renewal terms available through your existing (holding) insurer.
  3. A "comparable policy" means a policy offering broadly equivalent core benefits, cover levels, and excess/outpatient limits to your current policy, and which does not introduce new exclusions for conditions currently covered under your existing policy, as reasonably determined by The Private Healthcare Company.
  4. If we cannot find you a comparable policy at a lower premium than your current renewal — whether through an alternative insurer or through negotiation with your holding insurer — you will be entitled to a one-off £100 cashback payment.
  5. To qualify, you must provide accurate and complete details of your current policy, and proceed through the full comparison process with us ahead of your renewal date.
  6. Appointed broker requirement. To be eligible for this guarantee, you must appoint The Private Healthcare Company as broker of record on your policy ahead of your renewal date, giving us the necessary standing to negotiate with your holding insurer. If you do not appoint us as broker of record in time for renewal, this guarantee will not apply.
  7. Eligibility is tied to your policy renewal. Cashback can only be claimed once your policy has renewed and the comparison outcome is confirmed at that renewal point — it is not available for reviews carried out ahead of renewal where the policy has not yet renewed, or for any point outside the renewal window.
  8. This offer is limited to one claim per household/policy per renewal and is not available in conjunction with any other offer.
  9. Cashback will be paid by bank transfer within 30 days of your policy renewal date, provided eligibility has been confirmed.
  10. The Private Healthcare Company reserves the right to decline claims where information provided is incomplete or inaccurate, or where a comparable policy or improved holding insurer terms were offered and declined by the customer.
  11. This offer may be withdrawn or amended at any time without notice for future renewals.
  12. The Private Healthcare Company is a non-advised intermediary; this guarantee relates solely to price comparison and does not constitute financial advice.
  13. Offer available to UK residents aged 18+