Why should I use a private health insurance broker rather than going to the insurer?

I consider myself reasonably competent online and wanted to know why I should use a medical insurance broker in the UK rather than just going to the insurers directly?

Question asked by Brad Wright
Compare Top 10 UK
 Health
Insurers
 
Takes approx. 60 seconds
Level of Cover
Excess
Date of Birth

Answered by Tom Conner

It is personal preference however many individuals and businesses turn to health insurance intermediaries due to the vast range of private health insurers and products in the market.

Why use a health insurance broker?

Given private medical insurance specialists live and breath the insurers and their products day in and day out there is a huge resource of knowledge to rely upon to ensure the most suitable policy for the client.

Going it alone

Should you wish to tackle this task yourself it would be a case of trawling through the terms and conditions of half a dozen or more policies to get a good understanding of the relevant benefits and limitations. Following this it is always best to approach a dozen or so insurers to ensure yourself an appropriate policy at the most competitive premiums.

Brokers can often get cheaper rates

Private medical insurance brokers also have the benefit of their purchasing power. If you approach an insurer for a quotation you are going to them with the purchasing power of one, where intermediaries place policies with the insurers all day everyday more often than not they can utilise their buying power an obtain more competitive rates.

If you are considering taking out a private health insurance plan you would be well advised to speak to an adviser. Not only are you likely to end up with lower like for like premiums but you will also save a significant amount of time utilising their expertise rather than getting frustrated trawling through the policies yourself.

broker
 
private health insurance
 
competitive rates
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Private Medical Insurance Questions

 
I am looking to take out private medical insurance and I was wondering if there are any...
 
We are thinking about starting a family and I am considering all my options. If we were to take out a...
 
I have had private health insurance in the past through work and I am now considering taking out my own...
 
I have had my renewal premium letter from my current health insurer and the premium has gone up from...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Edward Brampton
13/01/2018

They were patient thorrgh and good value for money. I regret not using them before and I will use them again in the future.

Fiona Katumwa
11/01/2018

Very excellent service and informative. All options were offered and I had to make my own decision at the end. Would recommend.

Graham Mccollum
14/01/2018

Very efficient and well instructed service with polite staff, I felt Drewberry really did do their utmost to find the best deal for me personally.

We are rated 4.9/5 based on 1320 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1398 Reviews
A
Overall Rating
Very supportive and helped to choose effective product.
S Cutter
Overall Rating
Very professional and easy to deal with. Jake treated me like a human being and made me feel like a valued customer.
P
Overall Rating
Applied for an income protection plan and owing to medical condition had to make a few changes and Victoria from drewberry was really helpful
P Monaghan
Overall Rating
Courteous, prompt and clear service
D Lewis
Overall Rating
I was having trouble finding a suitable income protection policy online and was unclear about what I should be looking for, so I contacted Drewberry. The process was very quick and straightforward. They called me and explained how this type of insurance works, and then went through series of questions about my circumstances to try and find the right cover for me. They came back to me the next day with several suitable options and emailed all the relevant information clearly laid out. Michael Barrow, the advisor I spoke to, was happy to explain things in detail and answer any questions I had. I would definitely recommend Drewberry as they took all the hassle out of a confusing search.