[Opinion] Can you recommend a replacement policy if that is likely to result in new special term exclusions?

Exclusions come in many forms, not all of them are special terms that apply specifically to a client.

Let’s consider a client who is unhappy with their current health insurer and who asks you to shop around for health insurance with more affordable premiums, but they have some ‘new’ health issues likely to result in special terms/exclusions.

Is the correct advice always to increase their excess with their current insurer?  Perhaps not! 

Let’s assume that this client has no specific special term exclusions and their existing cover is ‘clean skin’. However, they now have ‘new’ knee problems which will likely result in an exclusion for treatment to that knee if the client is underwritten by a new provider.