How To Choose A Health Insurance Broker

With so many different insurers and policies on the market, looking for health insurance can be a minefield if you’re not aware of all the options. That’s why many people decide to partner with an intermediary. But how to choose a health insurance broker is still something that many people are confused by and often do not understand the true benefits of.

To help you make an informed decision, we’ve compiled this list of 5 questions to ask a potential health insurance partner before choosing the one that is right for your personal circumstances:

1. What types of insurance can you help with?

Even though you may be looking for simple health insurance at the moment, there’s a chance you might want another type of insurance further down the line. Having partnered with a broker for your health insurance, it makes sense to reach out to them again when you’re looking for other kinds of protection.

That’s why it’s a good idea to ask a potential broker what types of insurance they can help with.

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2. Do you work with a range of insurers?

Some brokers only work with a set list of insurance companies. And while they will undoubtedly have strong relationships with these insurers, it does limit the scope of products they can offer.

Here at Premier Choice Group, we are proud to have established relationships with all the leading insurers. You can check out our insurer partners here.

3. What fees do you charge?

People automatically assume that partnering with a health insurance broker is going to cost them more than going directly to an insurer. This isn’t necessarily the case.

Because brokers have established relationships with insurers, they can often offset their fees with the discounts they can secure, meaning it won’t cost you any more.

4. Do you provide ongoing support?

With a health insurance broker, you typically get a much more intimate, personal service than you would from an insurance company. That’s because brokers strive for client satisfaction and are usually willing to go the extra mile throughout your relationship with them to achieve this. 

The benefits to you are added value, peace of mind and a sense of satisfaction.

5. What about renewals?

Securing the right health insurance is one thing, but come renewal time, choosing the right broker to begin with will pay dividends.

Again, because brokers are always looking to go the extra mile for their clients, you can rest assured you’ll receive advice and support when it is time to renew your policy. This will help ensure you secure the right policy for you and not some one-size-fits-all offering.

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Hopefully you now know how to choose a health insurance broker. Here at Premier Choice Group, we are dedicated to helping you find the right insurance for both your needs and your budget. Get in touch and one of our advisers will be happy to discuss what you’re looking for.

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Author: Alex Tate - Healthcare & Protection Adviser