{"id":230,"date":"2017-11-06T16:02:30","date_gmt":"2017-11-06T09:02:30","guid":{"rendered":"https:\/\/www.pacificprime.co.th\/blog\/?p=230"},"modified":"2018-02-08T14:15:51","modified_gmt":"2018-02-08T07:15:51","slug":"insurance-broker-find-one","status":"publish","type":"post","link":"https:\/\/www.pacificprime.co.th\/blog\/insurance-broker-find-one\/","title":{"rendered":"What is an insurance broker, and how do I find a good one?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Here\u2019s an important fact that many consumers don\u2019t know: insurance brokers and intermediaries make up a significant majority of business in the insurance sector. Why is this important to know? Many are familiar with well-known insurance companies such as AXA, Bupa, and Cigna, but how much do you really know about brokerage services? Are they legitimate businesses? Do they truly offer cheaper insurance plans than going directly through an insurer? What else does a good insurance broker do? This week, Pacific Prime Thailand explains what you should be looking for in an insurance intermediary. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What is an insurance intermediary?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">There are two types of intermediaries; there are independent brokers, and there are insurance agents. The key point of difference is the term \u201cindependent\u201d. An insurance agent usually works either majoritively or exclusively with a specific insurer, while a broker\u2019s main priority is you. Both work like middlemen, selling individual or group insurance plans from or for an insurer to people who need it.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-5' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.co.th\/compare-quotes\/?campSource=PPTH-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=Blog_Banner&utm_content=general\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-414\" src=\"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2024\/07\/Blog-Banner_Thailand_3.jpg\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The significant benefit of choosing an independent broker for your health insurance or employee benefits needs is that the prominence of intermediaries lets you take advantage of their negotiating power. The relationship between insurance providers and brokers is one where insurers need to offer good quality plans at appropriate prices and need to back those plans up with reliable and trustworthy service. If an insurer doesn\u2019t meet expectations, brokers may refuse to sell their plans. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Brokers also have responsibilities and expectations in this relationship. Nearly all brokers work for commission on the plans they sell. If they sell a Cigna plan, they receive a commission from Cigna, not the policyholder. Sometimes insurers, if they find that a broker is adding extra charges to increase their profit above the agreed commission rate, can take their products away from an intermediary. This can be pretty punishing if the insurer is a highly reputable and world-renowned business. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some countries, in particular, have laws stating that it is required of brokers to disclose their commission rates to consumers if asked. As a general rule of thumb, more reputable insurers will be happy to disclose that figure, so feel free to ask if you\u2019re curious. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What does an insurance broker do?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Brokers will work to provide you with the insurance or employee benefits solutions you require, at a price that works within your budget. Simple brokers will essentially just provide a sales service, while the more comprehensive ones have extra, value-added services to enhance their relationship with you. In particular, <\/span><a href=\"http:\/\/www.ibac.ca\/Why-Use-A-Broker\/What-a-Broker-Does.aspx\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">broker services<\/span><\/a><span style=\"font-weight: 400;\"> can include: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Assessing your insurance needs, comparing coverage from different insurers, making unbiased recommendations, and even negotiating with insurers for any specific conditions or requirements you might have.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Explaining and educating clients on insurance matters and plan details, including terms and conditions, exclusions, and other small print.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Providing application assistance, administrative services, and after-sales support (though some brokers will simply leave you to deal with your new insurer directly for enquiries).<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Extending renewal assistance when your current policy is about to expire, including renegotiating the plan or finding you quotes for a new, more appropriate one.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The bigger a broker is, and the better their relationship with insurers, the better you\u2019ll be able to take advantage of their reputation to ensure you\u2019re always getting the best deal possible. While it\u2019s entirely possible to deal with insurers or their agents yourself, a good broker\u2019s independence guarantees that you\u2019ll not be sold something that\u2019s less than what you want, simply because it\u2019s from a specific company. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Using an insurance broker for individual or personal health insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you\u2019re looking for health insurance for yourself or your family, seeking the assistance of the right insurance broker will help you get the best deal. Personal health insurance can be tricky to research yourself. There are so many different providers with a wide range of plans; plans that have completely different coverage benefits and limits, and pages and pages of policy wording that can leave you feeling like getting health insurance is just too challenging. This is where a good insurance broker can help. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">You should expect a broker to want to have a conversation with you (by phone, email or in person) to work out exactly what your needs are. Do you need inpatient and outpatient insurance? Might you need maternity insurance for a future baby? Are there pre-existing conditions that you need to be covered? Once this is done, their consultant or advisor will scour the market to find plans that meet your requirements. As no plan is perfect, your broker should provide you with a number of options, and be prepared to explain the differences to you. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before you\u2019ve committed to buying an insurance plan from an intermediary, you should also find out if they offer any after-sales services. Not all brokers do this. Many will simply leave all of the claims and administrative processes between you and your insurer. There are, however, some brokers that take that extra step and provide assistance for any claims you make during your policy lifecycle, as well as support you with any enquiries you have. These sorts of brokers aren\u2019t just in it for the sales commission they get. They\u2019re often people or companies that will focus on building a relationship with you to secure your ongoing business through repeated renewals. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Using an employee benefits specialist for your corporate and business insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Brokers that work with businesses operate similarly, although there can be much more to the relationship than with individuals. For example, larger intermediaries, such as Aon and Mercer, can offer a number of non-health <\/span><a href=\"https:\/\/www.thebalance.com\/world-s-largest-insurance-brokers-462396\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">related services<\/span><\/a><span style=\"font-weight: 400;\">\u00a0in addition to traditional employee benefits, such as: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Risk management<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Claims management<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loss control<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Private client services for wealthy individuals<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Analytics<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Alternative risk transfer<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Affinity programs<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Some insurance brokers, however, specialize in healthcare and employee benefits, with greater knowledge of not only the group health insurance benefits sector itself but also what various market standards are in different industries. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">The services provided outside of sales support can also be particularly important. There are brokers that operate solely to sell corporate insurance solutions, but the most useful brokers will act more as a partner or independent employee benefits consultant. This means you\u2019ll be able to use them and their team for any sale and administrative support, get in-depth analysis and recommendations based on your claims history, be provided with a range of tech solutions to help you and your members interact with their employee benefits, and almost never have to deal directly with the insurer. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Human Resources teams, in particular, will love having a hands-on insurance broker. These sorts of intermediaries will take on a great deal of HR work, including employee education and orientation, handling employee enquiries, and assist with the processing of claims from group members. Having all of this taken away will free up HR experts to focus on more productive and worthwhile projects, while the brokers use their experience and knowledge to minimize employee dissatisfaction with their benefits and increase benefits efficiency. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What makes a good broker?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When you\u2019re looking for a broker to deliver for you, your family or your business, here\u2019s a few things you should look for to ensure you\u2019re getting the right team working on your behalf:<\/span><\/p>\n<ul>\n<li><b>Transparent:<span style=\"font-weight: 400;\"> Reputable brokers have nothing to hide, including their commission rates. They should be able to tell you the good and bad of a particular insurer, as well as whether or not there might be some issues with a particular plan.<\/span><\/b><\/li>\n<\/ul>\n<ul>\n<li><strong>Communication:<\/strong><span style=\"font-weight: 400;\"> Many brokers will be pretty persistent in their contact. You are, after all, a potential long-term customer. However, and this is particularly good advice for corporates and professional services, you shouldn\u2019t only hear from your broker at renewal time, and you should be able to contact your broker when you need to. <\/span><\/li>\n<\/ul>\n<ul>\n<li><strong>Knowledgeable:<\/strong><span style=\"font-weight: 400;\"> Any broker worth their salt should know the products they sell inside-and-out. For individuals, you\u2019ll want to make sure they can tell you about any potential pitfalls in policy wording, or the claims service levels of an insurer. For businesses, you\u2019ll want to ask them if they know much about the sector you do business in: What are your competitors doing, and what can you do to get an edge on them? <\/span><\/li>\n<\/ul>\n<ul>\n<li><strong>Reputable:<\/strong><span style=\"font-weight: 400;\"> As with any industry, there are bound to be some cowboys and dodgy brokers operating out there. One of the best ways to size up a broker is to ask about the relationships they have with other clients, and the insurers they work with. Some might even be able to offer new clients testimonials to vouch for their authenticity and high standards. Don\u2019t be afraid to ask as much about them as they ask about you. <\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Whether you\u2019re an individual or a group insurance client, a good independent broker will make you<\/span> <span style=\"font-weight: 400;\">feel like you\u2019re their priority, and not simply another sale they can drive towards the highest paying insurer. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Where can I find the best insurance broker in Thailand?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Look no further than <\/span><a href=\"https:\/\/www.pacificprime.co.th\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Pacific Prime Thailand<\/span><\/a><span style=\"font-weight: 400;\"> itself! Our team of experienced advisors uphold our almost 20-year reputation for <\/span><i><span style=\"font-weight: 400;\">simplifying insurance<\/span><\/i><span style=\"font-weight: 400;\">, ensuring that both our business and individual clients get the insurance solution they want and deserve. We have experience in insuring highly mobile people with comprehensive international insurance, securing the health and well being of expatriate families around Asia, and working with a number of companies to deliver robust employee benefits solutions to meet their employees\u2019 needs. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In fact, we\u2019re employee benefits specialists in Asia. If you represent a new company, or you\u2019re just wondering if your current group insurance plan is working as well as it could, invite our team around for a meeting. Our experts will be able to discuss with you why you will be better off with Pacific Prime Thailand as your broker. If you\u2019re looking for an individual or group plan, <a href=\"https:\/\/www.pacificprime.co.th\/contact-us\" target=\"_blank\" rel=\"noopener\">contact<\/a> the best insurance broker in Asia, Pacific Prime, today!<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-6' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.co.th\/compare-quotes\/step-one\/?campSource=PPTH-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=Blog_Banner&utm_content=quote\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-417\" src=\"https:\/\/www.pacificprime.co.th\/blog\/wp-content\/uploads\/2022\/05\/PPTH_Gen_01.jpg\" alt=\"Get a Quote CTA Banner\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Here\u2019s an important fact that many consumers don\u2019t know: insurance brokers and intermediaries make up a significant majority of business in the insurance sector. Why is this important to know? Many are familiar with well-known insurance companies such as AXA, Bupa, and Cigna, but how much do you really know about brokerage services? Are they &#8230;<\/p>\n","protected":false},"author":3,"featured_media":231,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[10],"tags":[433,234,140,434,31,293,289,290,291,292,295,296,294],"class_list":["post-230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","tag-ban_gen","tag-business-insurance-in-thailand","tag-corporate-insurance-solutions","tag-cta_gen","tag-individual-insurance-in-thailand","tag-insurance-agent","tag-insurance-broker","tag-insurance-brokerage","tag-insurance-intermediaries","tag-insurance-intermediary","tag-insurance-options","tag-insurance-solutions","tag-insurance-thailand"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is an insurance broker and how do I find a good one?<\/title>\n<meta name=\"description\" content=\"If you&#039;re in the market for insurance or employee benefits, an insurance broker can often be a better option than going to an insurer direct. Find out why.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.co.th\/blog\/insurance-broker-find-one\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is an insurance broker and how do I find a good one?\" \/>\n<meta property=\"og:description\" content=\"If you&#039;re in the market for insurance or employee benefits, an insurance broker can often be a better option than going to an insurer direct. 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