Why use an adviser?

Finding the healthcare, wellbeing and benefits solution that’s the right fit for you, your family or your business in a complex market can be a minefield.

Working with an independent adviser can remove the hassle and simplify the process, with your adviser taking the strain to help find the right benefit package for you, your business and your budget. Here are just some of the benefits of working with an adviser:

Value for money

A good broker will be able to search the market on your behalf and locate the most suitable options at competitive cost. Some brokers will not only have access to the wider market but may also have access to products offering additional features and at  special rates with insurers that aren’t normally available to the public. Some may also have the buying power to negotiate improved terms with your current insurer.

They’ll make sure that you get the most appropriate level of cover to meet your individual needs at a competitive cost and not simply offer you a policy at the lowest premium that may not necessarily give you the right level of cover.



Whilst comparison websites make it easier than ever to compare insurance policies, not all websites necessarily compare the same providers and products, and even then not necessarily in the same way. You will still need to determine which is the best for you and that can be a daunting task, especially where the initial focus of these websites may be on premium which may not be the ‘whole story’. So when buying health insurance directly, there are lots of factors to be considered, including;

  • the terms and conditions offered;
  • the type of cover you’re buying;
  • if any pre-existing conditions will be covered if you change insurers;
  • the advantages and disadvantages of taking a policy excess
  • any limitations of the policy (e.g outpatients cover); and
  • the level of the insurance premium.

Working with an adviser can save you time and remove the inconvenience and risk of having to shop around.


Making sure you have the right cover for your individual needs

Brokers have access to a wide range of insurance products and services from the market. They can accurately compare and recommend different insurance products and also take into consideration current market service standards, to help you get the right cover to meet your individual needs, circumstances and budget.


Wider range of options

If you go direct to an insurer, you’re limited to the range of products and services they offer. A broker has access to the wider market.  This  means that they can consider a much wider range  of options to find the right solution to meet your needs.


Specialist market knowledge & experience

Healthcare insurance is complicated. Specialist healthcare advisers are experienced within the marketplace and understand the product in all its complex intricacies. They understand the benefits and pitfalls of policies and will be able to ensure that you get the level of cover that is right for you.


Keeping it simple

The insurance market is renowned for using jargon. A good adviser will take their time to explain what any terminology means and will be responsible for helping you to understand any important limitations or optional benefits that may be available, to help you make an informed decision.


Independent & Impartial advice

Many advisers are able to provide independent and impartial advice from the wider market. This means that they can consider more options to help you find the most appropriate cover to meet your needs.


Dedicated team

A good adviser will get to know their clients and speak to them on a regular basis. They’ll know your history and will be able to offer relevant advice if your insurance needs change.  And the support of a dedicated team will help to provide a more consistent level of service.


Download our brochure here for more information