Before subscribing to a mutual health, it is normal to do some research to find an offer with an optimal level of coverage and that adapts to its needs and budget. After all, the objective of taking out such insurance is to be able to benefit from medical care that social security does not reimburse. However, there are many offers which makes the task a bit difficult. The ideal is to use a mutual health broker in order to facilitate the procedure.
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A health mutual broker: what exactly is it?
It is a professional whose job is to provide clients with the most appropriate health insurance policy. Mutual health brokers act independently and do not work on behalf of insurers. They thus offer several mutual health offers from the various insurance companies. In exchange for their benefits, brokers receive commissions from insurers.
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It should be noted that the mutual health broker is a licensed professional, who has undergone training to practice his trade. Brokers know very well what insurers offer and are therefore able to accompany anyone (individual, senior, company, etc.) in the process of selecting a mutual from beginning to end.
Why use the services of a mutual health broker?
It can be complicated to find the right plan, since you have to search from many insurance companies. Each insurer offers different policies and guarantee levels at different prices. A mutual health broker is able to guide each person through the process. Having recourse to a broker to subscribe to a mutual health is very useful in order to:
- Understand your situation as a whole: a broker asks the right questions and lists all your needs. It analyses the financial situation of the insured in order to adapt the guarantee levels 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 a mutual health that meets all his medical needs at the cheapest price.
- Benefit from a tailor-made service: brokers are experts able to explain to you the advantages and disadvantages of each offer. They usually give personalized advice to help future policyholders choose the right plan.
Mutual Health Broker Award
It is normal to think that with such benefits you have to pay a huge sum. However, you should know that a broker in mutual health acts as an intermediary between insurers and insured persons. He is remunerated by commission which, in general, depends on the number of contracts obtained. This 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 broker than when he subscribes to an insurance company. However, there are brokers who can charge fees related to the processing of the case. For this reason, it is advisable to discuss this from the beginning.