If your employer is offering health insurance as a benefit, you'll normally be included in it by default. In case you already have an active health insurance policy in the UK, there are a few important factors to consider.

Firstly, if you decide to switch to your employer's group health insurance and cancel your current health insurance policy, you should carefully review the terms and conditions of your existing policy. Some policies may have cancellation fees or other conditions that apply when terminating coverage before the end of the policy term. It's important to verify these details to avoid any unexpected costs.

Alternatively, if you prefer to keep your existing health insurance plan and not join your employer's group health scheme, you are entitled to do so. In this case, you simply need to inform your employer or Kota that you do not wish to be part of the group health insurance scheme because you are already covered.