Once you appoint SMP Healthcare Ltd as your health insurance broker we will look after your policy.  From the set up, administration throughout the year and at renewal.  We will always provide a full market review in accordance with your requirements. This applies for both consumer and business health insurance policies. We are not affiliated to any insurer and work as an independent insurance broker. Our clients can be confident that our recommendations do not hold any bias.

Scheme set up
We will listen to you and establish what you want to achieve from your healthcare budget. We then approach the market to find the most cost effective cover available for our clients. Helping you to find and compare the best health insurance policies available.

Administration
When you want to add or remove a member, change an address or add family members to a scheme. just send the details to us.  If there are any administrative changes to be made to your policy we will deal with them for you. We will check to ensure all changes have been made in accordance to your request. Our clients can be sure that we monitor the response time from the provider. The team at SMP Healthcare help to ensure that nothing gets forgotten.

Renewal
Healthcare insurance is an annual policy. Every year prior to the renewal date we will contact you to discuss your requirements for the forthcoming year. We will provide you with an unbiased market review confirming your options for the year ahead. As we look at the whole market for you, we are often in a position to negotiate discounts for you from your existing insurance provider. This can work substantially to saving you money year on year and throughout the term of your policy. We cannot start your review until the terms have arrived from the holding insurer. This is often 4 weeks for consumers and 6 – 8 weeks for business health insurance.

Charges
We do not charge our clients for setting up a policy. There are no fees for making administrative changes or for providing a market review. We are paid by the insurer a commission which varies from insurer to insurer. Rates are variable on policy type, provider and size of policy. Do you want to know the rate of commission we are paid by the insurer to look after your scheme?  Please do not hesitate to ask us and we will happily confirm the information for you.

Claims
All claims must be registered directly with the insurer by the member in accordance with their terms and conditions. To obtain pre-authorisation for a claim the insurers will want to know very specific medical information which only you as the member will know. Should you have any difficulty making a claim or feel that you have had a claim declined without good reason we can speak to the insurer on your behalf to clarify or query this for you. In some cases you may have to call the insurer and give authorisation for us to speak to them about a claim on your behalf.