Before subscribing to mutual health insurance, it is normal to do some research to find an offer with an optimal level of coverage and which adapts to your needs and your budget. After all, the purpose of taking out such insurance is to be able to benefit from medical care that social security does not reimburse. However, the offers are numerous which makes the task a little difficult. The ideal is to call on a mutual health insurance broker to facilitate the procedure.
A mutual health insurance broker: what is it exactly?
This is a professional whose job is to provide clients with the most suitable health insurance policy. Mutual health insurance brokers act independently and do not work on behalf of insurers. They thus offer several offers of mutual health insurance from different insurance companies. In exchange for their services, brokers receive commissions from insurers.
You should know that the health insurance broker is a certified professional, who has undergone training to practice his profession. Brokers know very well what insurers offer and are therefore able to support anyone (individual, senior, company, etc.) in the process of selecting a mutual from start to finish.
Why use the services of a mutual health insurance broker?
It can be complicated to find the right plan, since you have to search with many insurance companies. Each insurer offers different policies and levels of guarantee at more or less distinct prices. A broker in mutual health is able to guide each person through the process. Using a broker to take out mutual health insurance is very useful in order to:
- Understand your situation as a whole: a broker asks the right questions and lists all your needs. He analyzes the financial situation of the insured in order to be able to adapt the levels of guarantee to his budget.
- Simplify the underwriting process: A broker is able to find the right coverage at the most affordable price. In other words, it allows the insured to benefit from mutual health insurance that meets all their medical needs at the cheapest price.
- Benefit from a tailor-made service: brokers are experts capable of explaining the advantages and disadvantages of each offer. They generally give personalized advice to help future policyholders choose the right plan.
Price of a mutual health insurance broker
It is normal to think that with services such, you have to pay a huge sum. However, you should know that a broker in mutual health plays the role of an intermediary between insurers and policyholders. He is remunerated by commission which generally depends on the number of contracts obtained. It is a percentage of the total contracts or it can be a fee based on the number of people subscribed.
The insured does not pay more when he uses the services of a mutual health insurance broker than when he subscribes with an insurance company. However, there are brokers who may charge fees for processing the file. For this reason, it is advisable to discuss this from the start.