Health insurance can be a complex product to decipher, by using a specialised adviser you know that you are working with a company who can help you should you ever have a query relating to your policy. Once appointed, your intermediary will work with you to ensure that you get the best rates appropriate to your policy and that the policy you have is appropriate for your needs.
When you appoint an intermediary to deal with your health insurance policy you should receive expert advice as standard in a clear and transparent format to ensure you understand the products you have purchased.
It is a misconception that using an intermediary will cost you more money than going direct to the insurer as in most cases; the insurers will charge exactly the same rates whether you go direct or via an intermediary and therefore in a specialist market such as healthcare insurance, working in partnership with an independent intermediary can take away the difficulties of deciding which policy is right for you.
By far the biggest benefit to most clients is the fact that your broker is there to assist you at every stage of the policy.
Let’s look at SMP Healthcare Ltd in detail as to what you gain by placing your policy through them:
Stage 1: We would go through a full fact find with you to get to know what you want from your policy and to assess your pre-existing medical history. This is an essential part of the process.
Stage 2: The staff at SMP Healthcare Ltd would provide you with a full market review and recommend a policy that best suits your requirements based on policy benefits and your budget.
Stage 3: If you decide you would like to proceed with the recommendation we would complete the application forms for you with the information we have on record and send these to you. Once you have checked the details, completing any missing information and signed the documents you would send them back to us for processing.
Stage 4: We would check the application forms and send them to the provider for you. Your certificates and confirmation of cover would be sent to us directly and we would check to ensure they have provided you with the correct cover levels. We would then send these documents on to you for safe keeping.
We cannot register claims for you but we are always here to help you is you should experience problems when making a claim. If for any reason you do have an issue when making a claim we would liaise with the insurer for you. In some cases it is possible to have the decision to refuse a claim overturned depending on circumstance. If your claim is not eligible for cover or there are shortfalls in payment for treatment we can explain to you exactly the reasons for this.
SMP Healthcare do not make any charges to their clients for any of the services either at renewal or throughout the policy year.