What is a private medical insurance broker?

Private medical insurance brokers aim to help individuals and businesses with their health insurance needs. They work with a range of medical insurance providers, and offer services such as policy comparison, renewing policies, answering your questions and more.
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June 1, 2023
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Health insurance brokers work with health insurance providers, which are the companies that provide your policy. They will use their network of insurer partners when reviewing available policies for you. Some brokers may work with a broad range of providers, while others may only offer policies from a single provider. Your broker may be an independent individual or work as part of a larger brokerage company.

Independent brokers do not represent any individual company, and instead work with multiple providers to offer a wider range of policies across the UK market

What can health insurance brokers help you with?

Private medical insurance brokers offer a variety of helpful support services before, during and after purchasing a policy. How you utilise a broker’s knowledge is entirely up to you, and they offer services such as:

  1. Policy comparison - Brokers can compare the policies available to you across multiple UK health insurance providers. They’ll work with you to understand your needs and review policies before offering you options.

  2. Provider comparison - Health insurance providers vary in several ways, such as the members' benefits they offer, the products they have available, and more. Brokers can help you understand the differences between providers, as this may be an important factor in which policy you purchase.

  3. Advice - Brokers will aim to offer you advice where possible before, during and after purchasing a policy. However, some decisions are yours to make and your broker won’t be able to decide for you.

  4. Answering questions - Whether you have general questions or you need very specific advice, brokers will aim to get you the information you need based on their experience working in the health insurance industry.

  5. Reviewing your existing policy - If you already have health insurance, but you’d like someone knowledgeable to review your policy, a broker may be able to offer you some insight.

  6. Policy cancellations  - If you’re thinking of cancelling your existing policy, brokers will aim to guide you through the process. If you’re cancelling because you’re unhappy with the policy you purchased, they may also be able to help find something more suitable for you.

  7. Negotiating terms on your behalf - Brokers can discuss policy terms with providers on your behalf. They'll use the information you provided to search for a  policy that covers you for your needs at a competitive price.

  8. Policy renewals - When your policy is coming to an end, brokers can help you renew or search for a new policy under different terms.

How much does a private health insurance broker cost?

Depending on their arrangements and company set up, health insurance brokers may or may not charge you for their service. The two most common options you’ll find are:

  1. Commission - Your broker will not charge you for their services. If you purchase a policy through them, they’ll earn commission through the provider you choose. This means that you won’t have to pay anything upfront, and your only costs will be for the policy itself.

  2. Service fee - You’ll pay a fee to your broker for their services. This may be a flat fee or charged based on their time spent. They may also earn commissions from providers if you purchase a policy through them, and depending on their arrangement with you they may or may not rebate the commission to yourselves.


“Our independent health insurance brokers do not charge you anything, making our service free for you to use”

What are the benefits of working with a private medical insurance broker?

  1. Compare policies across UK providers - Brokers work with a variety of insurance providers, and when going through them to purchase a policy, you’ll have access to multiple providers and policies. This may give you more choices compared to other means of purchasing health insurance.

  2. Expert guidance - Health insurance can be confusing, and brokers offer their industry experience to help guide you through the process. They’ll work with you to understand your needs and make sure you understand the options available to you.

  3. Personalised service - Health insurance brokers aim to offer a personal service, working with you one-on-one to assess your needs and find a policy that’s best suited to you. This may help you find a policy that offers more relevant coverage around your health concerns and history.

  4. Convenience - Brokers aim to take the hassle out of health insurance. They’ll take on tasks such as comparing policies across multiple providers, reviewing policy benefits and more, so that you don’t have to.

  5. Help finding specific cover - If you have complex medical needs, or there’s a specific type of coverage you’d like included, a broker can help you find this or advise you on what’s available on the market.

  6. Competitively priced policies - Your broker will aim to find you the most competitively priced policy while considering your cover. This may help you to save money or offer you information on the coverage available within various budgets.
  7. Independent review - Medical insurance brokers will independently review each policy before presenting it to you. They’ll use their industry experience and understanding of your medical insurance needs when presenting you with any policy for purchase.

  8. Ongoing support - Your broker will be available before, during and after purchasing a policy if you need any help. Whether it’s a policy renewal, answering any questions, or advising you on your options, brokers will aim to offer you the support you need.

Contact our independent health insurance brokers

We are a team of independent health insurance brokers who help individuals and businesses with their private medical insurance needs. We work with many providers across the UK, and no matter what stage of the buying process you’re at, we welcome you to get in touch. Complete our form below, and one of our brokers will be in touch.

  • No fee for using our service
  • We work with multiple providers across the UK
  • 4.9* rating on Feefo
  • Ongoing support
  • Individual and business health insurance
  • Friendly, supportive team

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