By Matt Howells, Private Medical Insurance Specialist, Vizion Insurance Brokers
When it comes to private medical insurance (PMI), most people assume it’s simply a matter of choosing a provider, selecting the level of cover, and setting up a direct debit. But with over ten years of experience in the industry, I can tell you with confidence — the difference between a policy that ticks a box and one that truly delivers comes down to one thing: the right advice.
And that starts with having a trusted broker on your side.
Why Having Advice Really Matters
Insurers like Bupa, Aviva, AXA and Vitality provide high-quality cover. But what they don’t offer is advice. That’s an important distinction. They’ll happily explain the features of their policies, but they won’t tell you whether their product is right for your situation — or how it compares with what others in the market are offering.
That’s where we come in.
As brokers, we’re able to look across the whole market and tailor a solution that suits your needs — whether you’re an individual, a family, or a business looking to support your employees. We work to understand your circumstances, priorities, and budget, and ensure your policy is not only cost-effective and functional but also sustainable in the long term.
The last thing anyone wants is to discover that a policy doesn’t do what they thought it would, especially at the point of claim.
No Extra Cost, Just Better Outcomes
One of the most common questions I hear is, “How much more does it cost to use a broker?”
The simple answer: it doesn’t.
Brokers are paid a commission by the insurer, but that cost is already factored into the premium — whether you go directly to the insurer or come through someone like us. You won’t pay more by using a broker, but what you do get is insight, independent support, and guidance that could save you thousands over the life of your policy.
Built on Trust and Recommendations
At Vizion Insurance Brokers, our business is built on trust. We’ve grown primarily through referrals from financial advisers and professional partners who know their clients will be looked after with integrity and care.
Firms like Tandem Financial, and many others, have chosen to refer their clients to us because they trust the experience and service we provide. We’ve earned a reputation that gives advisers the confidence to bring us in — knowing their clients will get advice that’s both expert and genuinely helpful.
We don’t take that lightly. When someone puts their trust in us to advise their client, we treat that responsibility with the utmost importance.
Already Have Cover? It’s Still Worth Reviewing
Many people think that once they’ve taken out a private medical policy, it’s a “set and forget” product — but the reality is, life changes. Your needs evolve. Insurers update products. And sometimes, better options become available.
Reviewing your policy doesn’t mean you lose cover for existing conditions. In many cases, it’s possible to transfer cover and retain the same underwriting terms. It’s always worth a conversation, especially if it’s been a few years since you last reviewed things.
Is PMI Right for Everyone?
PMI isn’t about replacing the NHS — it’s about having a choice, speed of access, and flexibility when you need it. With NHS waiting lists at unprecedented levels, many people are now rethinking how they manage their healthcare — especially those who are self-employed or can’t afford extended time off work waiting for treatment.
If you can afford private cover, it can be a powerful safety net. Whether it’s for faster diagnostics, access to leading specialists, or greater peace of mind for your family, the benefits can be significant.
For businesses, offering PMI to staff can also make a real difference — both in wellbeing and in productivity. It’s not just a perk; it’s a smart investment in your people.
Final Thoughts
Choosing the right health insurance shouldn’t be left to guesswork — and it doesn’t need to be. Whether you’re looking at private medical insurance for the first time, or wondering whether your current policy still fits your needs, speaking with a broker ensures you’re getting real advice from someone who’s in your corner.
If you’d like to have a no-pressure, no-obligation chat — whether you’re an individual, a family, or a business owner — I’d be more than happy to help.
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Matt Howells
Private Medical Insurance Specialist
Vizion Insurance Brokers
Mobile: 07474 253340
Email: [email protected]
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