If you have a current PMI Plan but wish to change to another insurer (maybe to save money, receive additional cover or simply to escape from bad service) then it is possible to ensure that you receive a plan on "no worse terms" - this is known in the trade as a CPME plan, a good professional adviser specialising in this area should be able to help.

This simply means that the underwriting company of the new plan, will accept offering you cover on the same terms as the previous plan. If you have had claims and particularly exclusions from cover, these too will be carried forward or considered by the new insurer. This CPME transfer method allows for continuity of cover, particularly if you are presently undergoing treatment or have had treatment in the recent past and are concerned as to a re-occurrence of such a medical problem.

For example, if your company previously had PPP cover and you left and decided to take cover for yourself/family, you may have found PPP's cover too expensive and discovered that you could transfer your existing plan to Medisure on a "no worse terms" or CPME basis. A word of caution here, many sales people in the healthcare insurance industry earn money from commission and may be tempted to recommend change for change's sake - this is called churning.