Retiring from a group scheme
Retiring is a major life milestone — and maintaining your health insurance shouldn’t become a source of stress or confusion. If you’re leaving a company scheme and considering continuation cover, we’re here to make the transition smooth, transparent, and genuinely cost‑effective.
Understanding Your Options
When you retire, insurers typically offer a continuation policy that allows you to keep the medical history built up under your company scheme. However, these premiums are often significantly higher because of what insurers call a group leaver loading — a cost increase applied simply because you’re exiting a corporate plan.
What most retirees don’t realise is that the options insurers present aren’t always the full picture.
What you’re usually told
When speaking to an insurer directly, you’re commonly given two choices:
1. Accept an inflated continuation price
This keeps your medical history, but often at a far higher cost than necessary.
2. Start a new individual policy with fresh underwriting
This may exclude existing or previous conditions — not ideal at the very time you want continuity of care.
Most retirees are left thinking these are their only two paths – They’re not.
There are better options available
At My Health First, we help retirees explore all continuation possibilities — not just the ones presented by a single insurer.
You may be able to:
- Maintain your medical history without paying inflated continuation rates
- Switch to another insurer with fairer, more competitive pricing
- Tailor your cover to suit your retirement lifestyle and budget
- Access expert advice that insurers won’t provide directly
Our aim is simple: to ensure you enter retirement with the right cover at the right price.
Support beyond the switch
We don’t just help you find the best continuation option — we stay with you afterwards.
Our ongoing support includes:
- Policy management
- Renewal negotiation
- Help understanding your cover
- Guidance if you need to make a claim
You’re never left navigating the system alone.
Retirement should feel secure — and so should your health cover
Before you accept a continuation quote or commit to a new policy, speak with us.
We’ll help you understand your options clearly, avoid unnecessary costs, and keep the protection you’ve built over the years.
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What makes My Health First different?
No Pressure, No Pushy Sales – Our approach is calm, clear, and no‑obligation. We provide the information you need, give you space to consider it, and support you at your pace — never ours.Our approach is calm, clear, and no‑obligation.There’s no insurer bias — your best interests come first.
A Long‑Term Partner, Not a One‑Off Broker – Many brokers disappear once a policy is sold. We stay with you year after year — reviewing, adjusting, negotiating, and ensuring your cover continues to match your business and people as they evolve.
Defaqto 5 star rated
Feel confident in the health insurance plans we offer.