How to review and replace insurance
Policy inventory, duplicate coverage, replacement risk, and cancellation timing.
Direct answers
Build an inventory of every policy, map each benefit to a real risk, and never cancel existing life or health cover until the replacement is accepted, commenced, and its exclusions are understood.
Public coverage first · 2026 edition
Benefits may vary by: insurer · employment status · municipality · household
Get professional or administrator help: Ask both insurers to confirm dates and exclusions in writing before cancelling anything.
Review due: 2026-10-30
Key points
- Replacing a policy restarts underwriting — a new condition can now be excluded.
- Watch for duplicate personal-liability, travel, and device coverage.
- Old hospitalization-only medical policies may no longer match modern care.
- Confirm cooling-off and first-premium conditions on the new contract.
Sequence the switch safely
Apply for and secure the new cover, confirm commencement and any special exclusions, and only then cancel the old policy. Cancelling first can leave you uninsured or uninsurable if the new application is rated or declined.
Who this is for
- Residents mapping protection before shopping for private insurance
What this is not
- A quote, policy ranking, or individualized recommendation
Important cautions
- Eligibility, contributions, waiting periods, exclusions, and benefit amounts can vary. Confirm your case with the administering insurer or authority before acting.