5 reasons to have a Health Insurance broker

Your Health Insurance Broker can help you find a private medical insurance policy to suit your personal needs and budget.  Whether you are looking at switching providers or setting up a new policy, there are at least five advantages for you not to do this alone.

What are the advantages of having a Health Insurance Broker?

Save Time by using a Health Insurance Broker

Getting quotes for private medical insurance can be time consuming. Every time you contact an insurer directly for a quote they will require personal details in order to produce a quote. When you use a Health Insurance Broker you only need to provide this information once. They will then approach the market on your behalf using the information you have provided. Most brokers will not charge you a fee for their service. Why do all the leg work yourself when you can have a broker do it for you for FREE!

Get Expert Advice on your private medical insurance from a professional company

When you speak directly to an insurer they will only be able to provide advice on their product. A well-trained broker will provide you with expert and unbiased advice on a range of providers and policies. Your broker should have gone through your medical history and what you want from your policy prior to obtaining quotations. They can then make a recommendation based on what you need.

Simplify the jargon with a Specialist Health Insurance Broker

A good broker will be able to explain the finer details of a policy in a simpler way. This will help you understand exactly what the policy does and does not cover. They will also be able to clarify the key words and phrases used in the private medical insurance industry. It is important that you know what type of policy you are buying and how the policy works.

Compare alternative providers at your Health Insurance renewal

Prior to the annual renewal of your policy, your broker should contact you and undertake a full market review of your policy.  As the years go by, your requirements from your private medical insurance might change. By looking at your policy on an annual basis you can make sure you are not paying for benefits you will not use.

Support when you make a claim on your policy.

If you are unfortunate enough to experience issues when making a claim then your broker should be able to offer you support. Having a Health Insurance Broker should make it as simple and stress-free as possible. Your broker may not be able to register your claim for you but they should certainly offer to assist if you have a problem or a claim is declined.

As a specialist Health Insurance Broker,  we provide professional guidance on a wide range or private medical insurance policies. Whether you are looking to purchase a policy for the first time or considering a change of insurer at renewal, we would be more than happy to assist you. 

For more information please contact us on 01245 929 129 or email enquires@smphealthcare.com