What is the difference between advised and non-advised sales?

To help you get the best advice when taking out private medical insurance, it is good to understand the difference between advised and non-advised sales.

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Advised vs non-advised sales

An ‘advised’ sale means that your policy will have been recommended to you by an adviser who has explained why they feel the policy is best for you, after assessing your individual demands and needs.

A ‘non-advised’ sale means you are given information about the policy. Therefore, the sales agent can’t offer advice on what they feel is best for you. 

If you go direct to an insurer to purchase health insurance be mindful that the sales teams could be non-advised and can only give you information about policies they sell.


Using an advised broker allows you to be sure that the health insurance you are purchasing is going to cover your concerns. The adviser has a duty to listen to your needs and offer a suitable option. Meaning no nasty surprises if you need to claim.

At Healthcare Clarity not only will we tailor your health insurance to meet your needs, we will talk you through all the benefits and features and make sure you know exactly what you are buying and why. If you are offered a different policy elsewhere that is better for you we will tell you to take it, provided it is the best advice for you.

Check your adviser is authorized by the Financial Conduct Authority (FCA), as this will give you additional peace of mind that if you are mis-sold a policy your adviser can be held accountable.

Reasons to make Healthcare Clarity your Health Insurance Broker UK

Health Insurance Advice UK

We know the market inside out and we don't shy away from giving the right advice in any situation however difficult.

Free service

The service we provide is completely FREE and you are under no obligation to act on the quotes we provide.

Whole of market

We work with all the UK's health insurance providers.

Qualified Advisors

Not only do our advisors have many years’ experience in the industry, they are also IF7 accredited.

No call centres

With a dedicated team of experts there is no need to worry about being passed from department to department.

Ongoing support

The team here at Healthcare Clarity are on hand all year round to offer support and assistance with any potential issue you come across. There is no limit on our time, it's client first now and always.