Health insurance – why use an intermediary?

We’re so used to finding and booking things for ourselves, that we often don’t consider using the services of a dedicated adviser. Many of us no longer use travel agents to book our holidays, and we shop online for the best domestic energy providers and car insurance companies. When it comes to health insurance, however, it’s worth getting a professional opinion.

Health insurance intermediaries

A health insurance adviser can help you to access the best products for your requirements. As the health insurance market expands, so the number of policies available to you grows, and you can be easily confused by the varying levels of insurance. Talking to an adviser is often free of charge and gives you the following benefits:

• Independent advice – if you’re going to seek advice, make sure you choose an independent adviser, who is authorised and regulated by the Financial Services Authority. Independence means that the adviser isn’t tied to any particular provider, and regulation means that any advice has to be directly relevant to your circumstances and that the adviser must show why they have recommended certain products to you.
• Whole-of-market products – independent health insurance advisers have access to the whole market. This means that they can look at products from smaller health insurers or at specialist products, depending on your needs, and can search the whole market to find the best product for you.
• General advice – a health insurance adviser will want to know what sort of coverage you’re looking for and will need to take details about how much you can afford to pay each month in premiums, amongst other things. You can benefit from taking the time to talk things through with them, and they may offer options you haven’t considered, or bring up areas that you hadn’t thought important before.
• Review – your circumstances won’t stay the same for the rest of your life, and your health insurance coverage should reflect the way you are living. A regular review of your health insurance coverage will help you to be confident that you always have the right cover in place at a price you can afford.

Right to Health is a leading UK health insurance intermediary, helping individuals and corporations find the best private health insurance cover. With access to the UK’s top health insurance companies, Right to Health has advised thousands of clients and can help you to get great health coverage for a competitive premium. Right to Health is authorised and regulated by the Financial Services Authority, which means that you can be confident that the recommendations you are given really are in your best interests. To find out more or to get a review of your current health insurance, call 08000 753 999 or click the Free Online Quote button at the top of the page.

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