Health insurance cooling-off period
FCA rules generally give consumers a cancellation period after buying a general insurance policy such as health insurance.
Published by Beyond Leads Limited · 27 October 2026
General information only, not insurance or medical advice. health-quote.co.uk is an FCA introducer, not a broker or insurer. We do not recommend policies or arrange cover.
Key points
The FCA's rules (ICOBS 7) set out a cancellation right for many consumer general insurance contracts, with some exceptions. The length and conditions are stated in the policy documents.
The policy documents explain how to cancel and how any refund is worked out.
What to check in the policy documents
Policy terms differ between insurers. When looking at this topic, the documents to read are the policy summary, the full policy wording and your schedule. Points worth checking include: the cancellation section of the policy wording; when the cooling-off period starts; how to give notice of cancellation.
This page cannot confirm whether any person, condition or treatment would be covered. That depends on the insurer's terms and decision.
Who can answer questions about your situation?
health-quote.co.uk is a trading name of Beyond Leads Limited (FCA firm reference 940006). We are an introducer, not a broker or insurer, and we do not give prices, recommendations or advice.
If you send an enquiry, we introduce it to Complete Insurance, an FCA-authorised broker, who can discuss your requirements and explain any quotation. There is no obligation to proceed.