When you change insurance provider at the renewal date of your policy, you will be offered different underwriting options. CPME is a popular choice and is sometimes referred to just as switch underwriting.

CPME means that you will not have further underwriting questions to answer. Your new insurer will continue your current underwriting terms.

It stands for Continued Personal Medical Exclusions.

Above all it means that you will have no new exclusions placed on your policy. If you have medical exclusions on your current policy, they will be carried across by your new insurer.

You may be offered CME underwriting too however, this is essentially the same thing.

 

Underwriting, why you should choose it carefully!

Underwriting, why you should choose it carefully!

When you are looking to buy a private medical insurance policy, have you thought about the underwriting that is available? The type that you choose could affect the price that you pay for your policy. Comparing quotations can be confusing if there are different underwriting options used. Common UK underwriting methods are: Full medical underwriting Continued personal medical exclusions : CPME (when switching from one insurer to another) Moratorium Continued moratorium: CMORI (when switching from one insurer to another) Medical History Disregarded (for large company schemes) Full medical underwriting Before purchasing your policy, a full medical history declaration is completed….