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
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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.

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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.
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