Insurance Age

Consulting a specialist.

Although the private medical insurance market is primarily the domain of the specialist broker, non-specialists can benefit, provided they adopt the right strategies, says Simon Threadgold.

The PMI market divides neatly into three categories: individual,
small group and large group business. Companies rather than individuals
have proved the most fruitful avenue for brokers. Over 50% of company paid
business is broked, compared with only 10% of individual cases.


Because of its intricacy, the large group market is dominated by
specialist PMI brokers. It is also very crowded. Medical inflation of 10%
a year leads to thumping premium increases and this has made big companies
adept at

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