At Lifepoint Healthcare, our role goes far beyond simply arranging a policy. We support our clients from start to finish, acting as an expert partner at every stage of the journey.
What Does a Health Insurance Broker Do?
A health insurance broker acts as an independent intermediary between you and the health insurers. Rather than being tied to a single provider, a broker works on your behalf to find the most suitable cover for your needs and budget.
At Lifepoint, this means:
- Understanding your business or personal circumstances
- Comparing policies from leading UK health insurers
- Explaining options clearly, without jargon
- Negotiating competitive terms and pricing
- Providing ongoing support once your policy is live
Our aim is to make health insurance simple, transparent, and genuinely valuable.
Step 1 - Understanding Your Needs
Every client is different. Before recommending any policy, we take the time to understand what matters most to you.
For businesses, this includes factors such as:
- Company size and structure
- Workforce demographics
- Budget and long-term cost considerations
- Desired benefits, such as mental health support or fast access to diagnostics
- Recruitment and retention goals
For individuals and families, this may involve lifestyle, health priorities, and preferences around hospital access and excess levels.
This discovery stage ensures any recommendation is relevant, not generic.
Step 2 - Market Review and Insurer Comparison
One of the biggest advantages of using a broker is access to the wider market.
Lifepoint works with the UK’s leading health insurers, allowing us to compare multiple options side by side. We look beyond headline prices, assessing:
- What is and is not covered
- Claims limits and exclusions
- Hospital lists
- Digital GP and wellbeing services
- Policy flexibility and future scalability
We then present clear recommendations, highlighting the pros and cons of each option so you can make an informed decision.
Step 3 - Negotiation and Policy Setup
Once a preferred option is chosen, we manage the full setup process.
This includes:
- Negotiating terms and pricing with insurers
- Handling underwriting and medical questions
- Coordinating employee data and documentation
- Ensuring policies are set up correctly and on time
Because insurers know they are dealing with an experienced broker, negotiations are often smoother and more effective than going direct.
Step 4 - Employee and Client Support
Our support does not stop once the policy is live.
We help businesses get the most value from their health insurance by:
- Supporting employee communications
- Explaining how to use benefits effectively
- Answering day-to-day queries
- Assisting with claims and insurer interactions
For individuals and families, we remain a point of contact whenever support is needed, removing the frustration of navigating insurers alone.
Step 5 - Ongoing Reviews and Renewal Management
Health insurance should evolve as your circumstances change.
At Lifepoint, we provide ongoing policy reviews to ensure your cover remains appropriate. This may include:
- Reviewing claims experience
- Identifying cost-saving opportunities
- Adjusting benefits as needs change
- Managing renewals and remarkets
Our proactive approach helps prevent unnecessary premium increases and ensures long-term value.
Why Work With Lifepoint Healthcare?
What sets Lifepoint apart is our end-to-end approach and commitment to acting in your best interests.
- We are independent and work for you, not the insurers
- Our advice is clear, honest, and tailored
- Our service is typically provided at no additional cost to you
- We remain alongside you for the full life of your policy
Health insurance should provide reassurance, not complexity. With Lifepoint, you gain a trusted partner who manages the process from start to finish.
Thinking About Reviewing Your Health Insurance?
Whether you are arranging health insurance for the first time or reviewing an existing policy, expert support can make all the difference.
If you would like to understand your options or discuss a review, Lifepoint Healthcare is here to help.
