Are considering purchasing health insurance in the near future? You may believe you can complete this task entirely on your own.
However, once discovering the vast amount of information and possible choices available, you may find yourself feeling a little overwhelmed.
If you find yourself in this situation, consider speaking with a private health insurance broker.
What do health insurance brokers do?
An independent health insurance broker will look for the best insurance policy for the customer. They aren't on the insurer’s side; they're on the customer’s side!
Because they deal with insurers on a day-to -day basis they know the industry, the products and the services offered. They will conduct a comprehensive assessment to determine the customers’ needs and budget and source products that best reflect the customer’s requirements.
A health insurance broker will continually review the market to ensure they have access to a range of suitable and affordable products for their customers. They conduct all the research, analyse industry trends and obtain quotes and information on your behalf.
What benefits do they provide?
With many people now relying on the internet to do their own research and make independent health insurance comparisons, you may be wondering where a broker fits into the process
However, technology developments and improvements to internet access have also provided opportunities for brokers to enhance their services.
Because of a broker's industry training and extensive professional knowledge of the health insurance market, the research they can conduct will be more effective and efficient.
A broker knows exactly what they are looking for and can easily distinguish between information that is important and the irrelevant knowledge that may cloud judgement.
The time saved and convenience offered by allowing an insurance broker to prepare your health insurance policy is particularly helpful for businesses and professional organisations who cannot take time out from running their operations to research corporate health plans.
Brokers can help employers, families and individuals to determine a price range and desired benefits.
The broker then researches the ideal policies and obtains quotes from providers before organising the most suitable cover for an individual's or organisation's unique situation.
Once appropriate cover has been obtained, a broker will keep you updated on relevant news and industry developments while also providing assistance and advice on switching policies and cover if necessary.
If your situation changes, your broker will assist you in determining whether your health insurance policy also requires modification, and guide you through this process when required.
HICA's role in the health insurance industry
HICA is an Australian health insurance broker that specialises in individual, family, corporate and overseas visitors health insurance needs.
There are many reasons why HICA stands apart from other brokers in the industry, not least because of our dedication and commitment to customer service.
For overseas working visitors to Australia, HICA can help you organise the adequate health insurance needed to obtain the subclass 457 visa or working holiday visa.
If you are the owner of a small or medium enterprise, HICA offers access to policy packages previously created by companies similar to your own, so you can see what plans worked in the past before making decisions about your organisation's cover.
Whether you are considering arranging health insurance for the first time or are a life-long policyholder looking for a change, you can contact the team at HICA for a free health insurance assessment and policy recommendation.
Contact HICA today for a personalised health insurance comparison and obligation-free quote.