What does a Health Insurance Broker do and why you need one?

June 2, 2025

Navigating the world of health insurance can be daunting. Whether you're an individual looking for the right coverage or a business owner aiming to offer employee benefits, the options can seem endless.


So, what exactly is a health insurance broker, and why should you consider working with one? Let’s explore.



What is a Health Insurance Broker?


A health insurance broker is a licensed professional who helps individuals, families, and businesses find the right health insurance coverage. Unlike insurance agents, brokers aren’t tied to a specific insurer; they have access to a range of providers and policies.


Their job is to advise, compare, and recommend the best options for your needs - whether it’s private health insurance for you, or group cover for your employees.


Tailored Advice That Works for You

Health insurance isn’t one-size-fits-all. A broker takes the time to understand your unique needs, whether you're an individual looking for personal coverage or a business owner wanting to set up a benefits package for your team. They’ll guide you through the process, explaining policy details, coverage options, premiums, and any other essential terms, ensuring you understand exactly what you’re getting.


Access to a Wide Range of Providers

One of the key advantages of working with a broker is the access they have to a broad range of insurance providers. Brokers aren’t tied to any one insurer, meaning they can offer you a variety of options and help you find the best plan at the most competitive rate. Whether you need private health insurance, a group policy for your employees, or additional benefits like dental or optical cover, a broker will find the plan that best suits your needs.


A Time Saving Solution

Finding the right health insurance plan can be time consuming. With so many different providers, terms, and coverage options, it can be hard to know where to start. A broker takes care of all the research and comparisons for you, saving you time and effort. They’ll narrow down the options and present you with the best solutions, making the entire process smoother and more efficient.

For businesses, a broker can take the hassle out of setting up health benefits for your team, ensuring your employees are covered quickly and accurately.


Ongoing Support When You Need It

Once you’ve chosen your health insurance plan, a broker doesn’t just disappear. They provide ongoing support throughout the life of your policy. If your circumstances change or you need to make adjustments to your coverage, they’re always there to help. For businesses, this ongoing relationship ensures that employee health benefits remain a positive and valuable part of your offering.


Independent, Unbiased Recommendations

Because brokers aren’t tied to any one insurance company, they can provide truly impartial advice. Their goal is to help you find the best policy for your needs - without the pressure of pushing you towards a specific insurer. This unbiased approach ensures that you get the most transparent and reliable advice, tailored to your personal or business requirements.


Helping with Claims and Problem Resolution

If issues arise, such as problems with a claim or policy adjustments, having a broker on your side can make a significant difference. Brokers have in-depth knowledge of how insurers operate and can assist with any problems that come up, helping you navigate the often complex claims process.


Cost-Effective Solutions

While some might assume that brokers charge a fee for their services, most brokers are paid through commissions by the insurers. This means that in most cases, working with a broker doesn’t cost you anything extra. In fact, a broker can often help you save money by finding the best value plans or uncovering discounts that may not be immediately obvious.



For businesses, this could mean finding an employee benefits package that’s both comprehensive and affordable ensuring you get the best value for your investment.



Why You Need a Health Insurance Broker


Now that you know more about the role of a health insurance broker, you might be wondering, “Why should I work with one?” The simple answer is that brokers provide expertise, save you time, and give you access to a wider range of options than you would find on your own.


Here are some key reasons why partnering with a broker is a smart move:


  • Expert Guidance - Brokers have the experience and knowledge to guide you through the often complex world of health insurance, ensuring you get the right plan for your needs.
  • More Choices - Brokers work with multiple providers, meaning you get access to a broader selection of plans - helping you find the best option at a competitive price.
  • Ongoing Support - They’re there for you every step of the way, whether it’s handling claims, adjusting your coverage, or answering any questions that come up during the policy’s term.
  • Cost Savings - Brokers help ensure you’re getting the best value for your budget, whether you’re an individual seeking personal health coverage or a business looking to offer benefits to your employees.



How Pure Health Brokers Can Help


At Pure Health Brokers, we understand that finding the right health insurance plan can feel overwhelming. Whether you’re looking for personal coverage or need to set up an employee benefits package, we’re here to help. We’ll guide you through the entire process, offering tailored advice and access to a wide range of providers, so you can make informed decisions with confidence.



Ready to find the right coverage for you or your business?


Get in touch with us today, and let’s work together to create the best solution for your needs.



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Going on Holiday? Here Are 3 Insurances You Shouldn’t Travel Without

July 8, 2025
The sun is finally out (mostly), schools are winding down, and many of us are starting to count the days until we head off on holiday. Whether you’re flying somewhere warm, taking a road trip around the UK, or just looking forward to switching off your emails for a week - don’t forget to protect your plans before you go. Here are 3 types of insurance we strongly recommend having in place before you head off , plus some eye-opening facts to show why it really matters. 1. Travel Insurance – A Must for Every Getaway It’s the one we all know about… but it’s also the one most commonly forgotten. According to a study by the Association of British Insurers (ABI), over 20% of UK holidaymakers travel without insurance each year. That’s around 1 in 5 people risking thousands in unexpected bills. Good travel insurance can cover: Medical treatment abroad (which can cost £1000s, even for minor issues) Cancellations, delays, or missed connections Lost, damaged, or stolen luggage COVID-related disruptions (check policy wording) Real example: A British tourist needing emergency treatment in the USA could face a £100,000+ bill without cover. And if you’re planning multiple trips this year? A multi-trip policy might be more cost-effective than buying one each time. 2. Private Medical Insurance (PMI) – For Support Before and After Your Holiday You might think your travel insurance will handle everything health-related - but it usually only covers emergencies during your trip, not the aftercare once you're back home. That’s where private medical insurance comes in. Why consider PMI during summer? NHS waiting lists in England reached 7.6 million in 2024 - many patients face delays of months for non-urgent care. Private insurance gives you faster access to diagnosis, treatment and follow-up care, especially useful if you’ve had an injury or illness abroad. Some policies also offer mental health support, remote GP access, or even global cover if you travel frequently. It’s especially helpful if you’ve got children, a chronic condition, or just want peace of mind without long waits. 3. Life Insurance – Not Just for “Later in Life” Nobody wants to think about it before going on holiday, but if you have children, a partner, or people who depend on your income, life insurance is one of the most meaningful things you can have in place. Did you know? In the UK, around 60% of adults don’t have any form of life cover - even though it can cost as little as £10 a month for many people. Some policies include: Worldwide cover Accidental death or critical illness benefits Flexible terms for families or mortgage protection Even if you already have a policy, it’s worth reviewing it before your trip - especially if your circumstances have changed recently (e.g. new baby, new home, new job). Your Pre-Holiday Insurance Checklist Before you pack your passport and sun cream, take a moment to check you’ve got the essentials covered: Travel Insurance – Sorted and saved Private Medical Insurance – For peace of mind at home and abroad Life Insurance – Reviewed and up to date Because while we hope you’ll never need them, these protections can make all the difference if something doesn’t go to plan. Need Some Help Figuring It Out? At Pure Health Brokers, we know insurance can feel confusing or like just another task on your to-do list. That’s why we do the legwork for you - comparing the best policies from top UK insurers to find the right fit for your plans, your family, and your budget. Call us for a quick, friendly chat or request a free no obligation quote.  Before you travel, let’s get you protected - properly.

Introducing Pure Health Brokers: Your Trusted Partner in Private Medical Insurance

April 2, 2025
After taking some time out to raise my family, I’m absolutely delighted to introduce Pure Health Brokers - a business dedicated to helping individuals, families, and businesses across the UK find the right private medical insurance and wellbeing solutions. Our mission is simple: to provide expert guidance, personalised support, and access to the best health cover options, giving you peace of mind that you and your loved ones are protected when it matters most. Experience You Can Trust With over a decade in the industry, I’ve worked with individuals, small businesses, and large corporations, and one thing has always stood out - health insurance isn’t just about policies. It’s about security, reassurance, and knowing that you, your family, or your employees will receive the right care when needed.  That’s why I founded Pure Health Brokers - to bring a trusted, client focused approach to health insurance. We’re built on three key values: Trust - Honest, transparent advice with no hidden agendas. Care - Your health and wellbeing always come first. Commitment - We work tirelessly to find solutions tailored to your unique needs and budget. The Growing Demand for Private Medical Insurance The UK's healthcare landscape has changed significantly in recent years, particularly regarding private medical insurance (PMI) and the NHS. By the end of 2023, ​ The Guardian verified that nearly one in eight Britons (around 11.8% of the UK’s 68.3 million population as corroborated by LaingBuisson's 20th edition of the Health Cover UK Data Insights Report go.laingbuisson.com+1Wikipedia+1 ) had private medical insurance - the highest level since 2008. Many people are turning to PMI due to delays in NHS care, but with rising costs, how do you find the right broker to help you make an informed choice? Why Choose Pure Health Brokers? The UK insurance brokerage market is growing, expected to surpass 19.9 billion in 2024 ( IndustryARC ). But with over 1,600 insurance brokers operating in the UK (​ IBISWorld ), not all provide the same level of service and expertise. That’s where we stand out. We make finding the right health insurance simple and stress-free by: One point of contact - No need to juggle multiple insurers - we handle everything for you. Clear, jargon-free advice - We break down policies into simple, easy-to-understand language. Tailored recommendations - We take the time to understand your needs and only suggest the most suitable options. Ongoing support - From your application to claims assistance, we’ll be by your side every step of the way. How We Can Help At Pure Health Brokers, we assist with a wide range of insurance solutions, including: Private Medical Insurance Life Insurance Income Protection Critical Illness Cover Cash Plan Schemes Travel Insurance Employee Assistance Programmes Whether you're a business owner wanting to offer employee health benefits or an individual looking for faster access to treatment, we’re here to help. Let’s Start Your Health & Wellbeing Journey This is just the beginning, and I can’t wait to support you in finding the best health and wellbeing solutions for your needs. If you’d like to explore your options, get in touch today - because your health deserves the best. Contact us to learn more about how we can help you!