Updated: November 20, 2019

Brokers for Private Medical Insurance

Looking for a private medical insurance broker? We look at how they can help you, and why specialist advice is key to finding the right cover

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Richard Angliss

Author: Richard Angliss - Finance Expert

Updated: November 20, 2019

If you’re looking to take out private medical insurance, it can be immensely helpful to have a specialist broker on the case. We work with some of the most highly rated private medical insurance brokers in the UK, and we can put you in touch with an advisor who can get to work on finding the best deal for you and your family right away.

Over 4,000,000 people have private medical insurance in the UK and with growing pressure on the NHS, this figure could be set to rise. You might think that buying private health care insurance would be easy, but with multiple providers each offering varying levels of cover for different prices, it can get a little confusing.

In this guide, we’ll cover a few of the different ways that you can buy private health insurance, and explain how the brokers we work with can help you to help find the best deal.

What do private medical insurance brokers do?

Their job is to find out exactly what it is you need from your private medical insurance as well as your budget expectations and any other preferences, and then source the best insurance companies on the market. This may include some policies that aren’t available to the general public.

The problem is, some private health insurance specialists don’t have access to the whole of the market and this can limit your choices of insurance providers. Fortunately, the expert advisors we work with are all whole-of-market brokers, so you won’t miss out on any hidden deals.

What type of private medical insurance broker should I use?

Another issue that many people face when trying to find the most affordable deal is that some private health insurance consultants and agencies work on a commission basis, with ties to a select few companies.

Brokers having relationships with insurance companies can, in some circumstances, lead to a good deal, however, it could result in you missing out on a lower price elsewhere.

To avoid this, we recommend that you work with a trusted broker that will compare all of the private health insurance companies in the UK. Don’t hesitate to get in touch if you’d like to have a free, initial conversation with no obligations with the option of a referral to a suitable expert.

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Should I use a comparison site to find private health care insurance?

If you’ve ever searched for medical insurance, you’ll probably be aware of the many comparison sites that are available. Online tools like these can be useful for quick quotes but they don’t always provide the most reliable estimates.

In order to provide fast quotes, many online comparison sites are set to standard criteria that doesn’t necessarily reflect your circumstances. After all, not every person looking for medical insurance is an 18-year-old, non-smoker without any health issues.

In fact, often there can be discrepancies between the information and price stated by the site and the price paid by the policyholder after they have provided their personal information.

Because of this, it can be a good idea to contact an insurance broker that specialises in private medical insurance. They’ll be able to look at your circumstances and compare the numerous options that may be available to you, in order to provide you with an accurate quote.

Are cheaper quotes always the best option?

Price is a factor considered heavily by many looking for private health insurance and some consultants incorrectly suggest to customers that they should opt for the lowest price.

Cheaper monthly premiums can be appealing but be cautious and always check the terms and conditions of the insurance contract ahead of signing.

A lower price can often result in a reduced amount of cover which may not be the best option for you, especially if you have a pre-existing medical condition and need your policy to pay out for specific treatments or care.

Finding the most affordable medical cover can take time and frustratingly, price is just one factor that needs to be considered when searching for the best cover for you.

With a busy lifestyle and a growing “to-do list”, many people chose to work with a private medical insurance broker who can take this time-consuming task off their hands.

Where can I find the best private health insurance specialist?

We work hard to find you the best medical insurance advisors and we chose to work solely with trained professionals with a proven track record for success.

The private medical insurance brokers that we work with have access to hundreds of providers across the UK and we can even put you in touch with international brokers, to find you a wider range of deals.

Contact an expert private health insurance broker

If you’re considering taking out private medical insurance, seek specialist guidance to ensure you find the most suitable type of cover for your individual circumstances.

The private health insurance specialists that we work with will be happy to accommodate your needs either via a direct appointment or over the phone.

For private medical insurance advice that you can depend on, contact us on 0808 189 0463 or make an enquiry.

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Richard Angliss

Richard Angliss

Finance Expert

About the author

Richard Angliss has made a career in financial services which stretches over 40 years.

His early career was spent learning about the various financial products and applying them to prudent advice, working for one of the largest life assurance and investment firms. After that he joined the financial services arm of a very well-known firm providing independent advice to their 8 million customers.

For the last 20 years he has been involved in building software solutions that help Advisers and clients work together to achieve good financial outcomes and helping to set up three independent advisory firms. He also has written many articles for financial services publications and provided commentary for newspaper journalists.

At an early stage in his career he realised the great satisfaction that comes with being able to help people achieve their goals and protect their families. “Regulation of financial services has hugely impacted on ensuring people get appropriate advice. The issue these days is access to that advice and just as importantly regular reviews to make sure that everything stays on track”.

With the growing development of online resources such as Online Money Advisor he sees a great future for people to access advice to make their pension and investment work harder for them.  Plus, of course, to ensure they have insurance products in place that will be required when unforeseen events happen.

He knows getting that balance right is crucial to prudent financial planning and the wellbeing of individuals and their families.

FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

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