Frequently Asked Questions

Why should I use Jigsaw?
We always work in the best interests of our clients, putting their special requirements at the heart of our service. We have direct relationships with a wide range of insurers to select the policy which best suits the requirements of our clients.

Where corporate clients are involved, we ensure there is maximum flexibility in the policies selected so that the most relevant support is provided for a wide range of employees.

How do you select the best policy for me?
Our first task is to find out exactly what cover you require from your private medical insurance. For example, if you do not have children, then a policy which automatically covers offspring will not be suitable for you. You may prefer to have a policy which allows you to choose the hospital or the consultant who will administer your treatment. Once we have established the level of cover you require, we then investigate all the options available to you, taking into account your individual circumstances, previous medical history and so on. We will then provide you with the most relevant options, presented on a spreadsheet so you can easily compare and contrast the various benefits to help you make an informed choice.

Do I need a medical before taking out health insurance?
No, although insurance companies do not usually cover pre-existing conditions. They will require either a declaration of health on the application form or apply a two year moratorium to the policy. This means that they will exclude the pre-existing condition for the first two years of cover.

Can I change insurer?
If you already have health insurance, another insurer will consider accepting you on what is known as a "no worse medical underwriting terms switch". This means that any existing medical exclusions will continue to be excluded by a new insurer, but no new exclusions will be applied to the policy.

I am already receiving treatment. Can I change insurer?
You may be able to change insurer depending upon the type of treatment you are receiving. Please discuss this with a member of the Jigsaw team before making any changes.

Can I add my family?
You can add children of any age (subject to the age limits usually, 21 or 25) or a partner, during the contract year. A pro-rata premium would be calculated. Other changes, such as scale of cover, applying excesses, etc. can only be altered at the annual renewal date.

Did you know?
Three lifestyle choices - Lack of Exercise, Tobacco, Poor Diet- account for 4 chronic conditions - Cardiovascular, Chronic Respiratory, Type 2 Diabetes, Cancer - which cause 50% of deaths. Many diseases cause suffering and death but these 4 kill as many as all the others together.

Did you know?
50% of adults rank obesity/being overweight as the biggest health concern facing the nation.

Did you know?
The top two Life priorities are My Family's Heath and My Health.

Did you know?
In the UK 24% of adults continue to smoke. 114,000 people in the UK die each year as a result of smoking.

Did you know?
Motivators for changes in Lifestyle - Being diagnosed with a health condition, Close family member/friend being diagnosed with a health condition.

Did you know?
The number of adults who admit that their current lifestyle is unhealthy has significantly increased over the past year.

Did you know?
50% of stressed adults say their current levels of stress are having an impact on their home lives. One in five go further, saying that the current levels are affecting their performance at work.

Did you know?
5 million people die prematurely from tobacco use each year.

Did you know?
In the UK only 24% of men and 27% of women eat 5 portions of fruit and vegetables a day. Half of all children each no fruit or vegetables in a week.