When your company introduces health insurance, the first and perhaps most important decision is not the insurer but the choice of broker – they are the one who will tender the market, and who helps if questions or changes arise during the contract years. We have collected seven questions worth asking every candidate. Including us – we are happy to answer all of them.
1. Are you listed in the central bank's register?
In Hungary, insurance mediation may only be carried out by intermediaries listed in the register of the Hungarian National Bank (MNB). The registration number is public and can be checked by anyone on the MNB website. If someone does not provide it immediately on request, that is a warning sign. (Ours: 114063010758.)
2. How many insurers do you actually tender?
The whole point of a broker is that they make the market work for you – but in practice there are big differences. Ask specifically: how many insurers do you request quotes from, and how many of them offer a genuine group health insurance product? As of 2026, nine insurers have a meaningful group health offering – we run the relevant insurers in competition; how many of them actually quote depends on headcount and line of business too.
3. Who pays you, and how do you make a living?
A broker's remuneration typically comes from the intermediary fee paid by the insurer, which is part of the insurance premium – so the service typically costs the client nothing extra. A fair broker explains this transparently without being asked, along with the fact that by law they must represent the client's interest, not the insurer's.
4. What happens when something goes wrong?
Routine matters – appointment booking, card replacement, invoice questions – run through the insurer's service organiser, and that is efficient. The real question is: what does the broker do when a case gets stuck? Who can be called, how quickly do they respond, and do they commit to personally seeing the stuck case through with the insurer? Ask for a concrete answer, not generalities.
5. Is an anniversary review included?
A group contract is not a "sign and forget" genre: premiums, provider networks and your headcount all change every year. Ask whether a review – analysis of usage data, re-tendering where justified – is part of the service or has to be requested separately.
6. What do you take on during implementation?
The hard part comes after signing: employee communication, data protection housekeeping, enrolment declarations, HR processes. Ask what the broker takes on – information materials, employee briefings, onboarding templates – because the programme's success largely depends on this.
7. What is your track record in this genre?
Health insurance is one of the most specialised corners of the insurance market, with its own logic. Ask about the broker's concrete experience: how many years, how many insurance categories, what size of companies. Numbers say more than any marketing copy.
And a bonus tip: a good broker treats your questions as an opportunity, not as an attack. If you get an evasive answer somewhere, that is an answer in itself.
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