If you live or work in Guernsey or Jersey, your healthcare insurance probably isn’t something you think about every day. But when renewal time rolls around, it’s worth slowing down and giving it a proper look.
Too often, people and businesses renew last year’s policy without asking the right questions. That can mean paying too much, missing out on better benefits, or even being underinsured.
At Channel Insurance Brokers, we see the renewal period as more than a deadline. It’s a chance to take stock and make sure your cover still fits your life, or your business, as it is today – not as it was 12 months ago.
Why It Matters More in the Channel Islands
Healthcare in Guernsey and Jersey doesn’t work the same way it does in the UK. Most people rely on a mix of public and private services, which makes private healthcare insurance a key part of
everyday wellbeing.
Understanding what is and isn’t covered, from GP access to off-island treatment, can have a big impact when the unexpected happens. That’s where having a broker who understands the local
picture really helps. We know how things work here, and we know which insurers are set up to support islanders properly.
What to Look Out For When You Renew
Here are a few things to consider when reviewing your policy:
- Have your needs changed? That might mean a new diagnosis, a growing family, or a business that’s added new staff.
- Do your benefits still make sense? You might be paying for cover you no longer need, or missing out on useful extras like mental health support or digital GP access.
- Is your premium still competitive? UK private healthcare premiums hit £6.15 billion in 2023, and prices continue to rise. It’s worth checking what else is out there. (Source)
- Do you fully understand your exclusions and limits? Many people don’t, until they try to make a claim.
- For businesses – does your corporate scheme still support your team? Group healthcare cover is increasingly seen as a key staff benefit in Guernsey and Jersey. Making sure it’s aligned with your budget and workforce matters.
Why Work With CIB?
We’re not here to pressure you into buying more. Our job is to ask the right questions, understand your needs, and make sure your healthcare insurance fits the real world you live in.
Whether you’re renewing an individual policy or managing cover for a whole team, we bring local knowledge and a focus on long-term value, not quick fixes.
Need a Second Opinion?
If you’ve got a renewal coming up, or you’re just not sure what you’re really covered for, we’re happy to have a conversation. No obligation. Just honest advice from a team who understands how insurance works in Guernsey and Jersey.