About this tool
This tool helps you read your own health insurance schedule and renewal letter, and understand what your renewal increase is made of before you accept it.
You enter the details printed on your documents: your excess, your outpatient limit, your hospital list, your underwriting basis, your current premium and the renewal premium. You can leave out anything you do not have. The tool then explains, line by line, what each item decides when you claim, separates the parts of an increase that come from age, claims and general price rises where your letter shows them, and lists the questions worth asking your insurer before you renew. Every figure comes from you. No prices or insurer names come from us, and nothing you enter is sent to us or stored.
What your schedule says
Your renewal letter
Why the wording matters more than the price
Two policies at the same price can behave completely differently at the moment you claim. Underwriting decides what your history does to a claim, the outpatient line decides whether getting diagnosed is covered, and the hospital list decides whether the consultant you were referred to is one you can use. Those three lines explain most of the complaints people have about health insurance.
If you want to see the exact phrases in your own document explained one by one, use the plain-English policy checker, which reads text you paste in and picks out the clauses that catch people out.
What this does not tell you
- This is a reading of what you entered. It is information, not advice, and it is not a recommendation to keep, change or cancel anything.
- We quote no prices and hold no market average renewal increase to compare yours against.
- We do not know your insurer’s wording. Anything important here should be confirmed with them in writing.
- Nothing you type is sent to us or stored, and the figures are not saved when you leave the page.
Guides that explain this
Real people, ready to help
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Send us your question and a PremierPMI specialist will get back to you. No pressure and no obligation.
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