You may be able to take your unused annual benefit limits with you to your new fund. When you switch health funds, you’ll need to fill in an interfund transfer form. This tells your existing provider you’re switching funds and gives permission for them to tell your new fund what benefit limits you’ve used so far that year. They'll provide your new fund with a transfer certificate giving details of your type of policy, level of cover, waiting periods served and claim history. Most health insurance providers will require you to carry over your claims history to your new fund. However, all funds differ, so carefully read the Private Health Information Statement that must be supplied to you with your new policy.