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An insurance broker acts as an intermediary between clients and insurance companies. Clients may be either individuals or commercial businesses and organizations. Brokers use their in-depth knowledge of risks and the insurance market to find and arrange suitable insurance policies. Insurance brokers, unlike tied agents, are independent and offer products from more than one insurer, to ensure that their clients get the best deal.
 

Insurance policies range from motor insurance, required by law to drive a vehicle in the UK, to public, employers' or product liability insurance, which pays compensation on the basis of the assessment of legal liability for damage, injury or harm.

Health tourists need to purchase specialist travel insurance before they make a trip abroad for the purpose of undergoing medical treatment. During 2007, statistics show that Britons taking advantage of faster and cheaper treatments abroad is rising by around 30% per annum, with over 70,000 people choosing to have cosmetic surgery or elective medical treatments.

How a health insurance works

What are the procedures behind a health insurance policy? A health insurance program is basically a legal contract between an individual and an insurance company. Before sealing an official health insurance agreement, all the health care specifications including the type and costs are specified. There are different forms of payment obligations for an individual who applied for a health insurance progam. Some of these are Premium, Deductible, Copayment and the Coinsurance. There may be exclusions in a health insurance policy, the payment for these exclusions will not be covered by the company and will be shouldered by the policy-holder.