A broker can act as your adviser and intermediary, helping you navigate the market rather than relying solely on one insurer’s offering. They can review your current policy, highlight any gaps or inefficiencies, and give clear guidance on whether it’s best to stay with your existing plan or consider alternatives.

In many cases, brokers are paid by the insurer, and the premium you pay is the same whether you buy direct or through a broker. Where a broker fee applies, this should be clearly explained upfront. Either way, you benefit from advice and ongoing support.

A broker can track your renewal date, approach the market for alternative quotations, and manage much of the administration. They can also benchmark your current benefits against what’s available now, so you don’t have to spend hours researching policies yourself.

Often, yes. A broker can use their market knowledge to negotiate at renewal—this might mean a more competitive premium, improved benefits, or changes to excess/deductible levels, depending on the insurer and your claims experience.

No. The aim is to make sure you have the right cover. If your current policy still meets your needs, your broker can support you with renewal and claims. If there are better-fit alternatives, they can explain the differences—then you decide what to do.

A broker can support you through the claims process—helping you understand what documents are needed, assisting with submission where appropriate, and liaising with the insurer to keep things moving.

A broker can provide ongoing support if your circumstances change—for example, if you move country, add dependants, or need different benefits. International plans are often designed to be portable, but any changes are subject to the policy terms and territorial limits, and your broker can help manage the update smoothly.

Yes. A broker can compare your current benefits with what’s available in the market. They’ll check whether your overall limits, excess/deductible levels and key exclusions still suit your needs, and may suggest options to strengthen your cover where appropriate.

Many brokers have multilingual advisers. For example, our team can support you in English, French, Spanish and other languages, so communication is clear and culturally aware.

It’s sensible to review your cover at least once a year, usually at renewal. A broker can obtain comparative quotations to help keep your premium competitive and ensure your policy still matches what’s available in the market.

Yes. A broker can help you raise concerns with the insurer and work with both sides to resolve issues. If the outcome still isn’t right for you, they can also help you explore a more suitable provider at renewal (or sooner, if a change is possible under the policy terms).

Even if you rarely claim, it’s still worth reviewing your cover each year. A broker can help check you’re not paying for benefits you don’t need, while keeping core protections—such as emergency medical assistance, evacuation and repatriation—where appropriate.

Not necessarily. Arrangements vary, but you are generally free to change adviser. If there are any service terms or fees, these should be explained clearly upfront.

Yes. A broker can explain how different insurers approach underwriting for pre-existing medical conditions and help identify the most suitable options. Any cover offered will depend on the insurer’s underwriting decision and the policy terms (for example, waiting periods, exclusions or premium loadings).

Local cover can work well for day-to-day care in one country, but it may be limited outside that country and may have lower overall limits. A broker can help you align local and international cover, and check whether benefits such as emergency medical assistance, evacuation and repatriation are included where you need them.

Often, yes. Brokers may be familiar with provider networks and how healthcare is accessed in different countries. They can also help you understand how to use your policy, including available clinics, hospitals and telemedicine services.

A broker should recommend cover based on your needs and explain why a particular option is suitable. They should also be transparent about how they are paid. Many brokers work with a range of insurers and focus on long-term client relationships, which supports objective advice, but it’s important that remuneration and any potential conflicts are disclosed.

Yes. A broker can arrange policy changes such as adding family members, changing your excess/deductible, or adding optional benefits like dental and optical cover. Some changes may be subject to underwriting, and your broker can guide you through the process.

In an emergency, you should contact the insurer’s 24/7 medical assistance helpline straight away (details are usually on your membership card and policy documents). Your broker can also support you and help follow up with the insurer, particularly where there are questions about authorisation or next steps.

Simply complete our policy review form or contact us. We’ll ask for some basic details about your current cover and what you want to achieve, review your policy, and share recommendations with no obligation.