Like all other kinds of markets, the insurance market includes sellers and buyers as well as the intermediaries for the insurance services, while the insurance service intermediaries include insurance agencies, insurance brokers, and insurance assessor. Here, a specific introduction is mainly made on the health insurance brokers. Health insurance brokers are the individuals or companies who provide the insurers and policy holders with all kinds of possible health insurance prices, health insurance features as well as the risky properties within the insured coverage. These health insurance brokers make both insurers and policy holders connected mutually and reach a health insurance agreement finally. In this process, the health insurance brokers will necessarily supply services for them. According to the term 123 of Chinese Insurance Law, the health insurance brokers provide the intermediary services for both insurers and policy holder to sign insurance contracts based on the benefits of the policy holders and gain related commissions. In addition, the health insurance brokers can be the representatives of the policy holders to select the insurers or the insurers’ group, and discuss the health insurance terms with the insurers and help the policy holders to handle the procedure. Therefore, generally, the health insurance brokers are the intermediaries providing related services for both insurers and policy holders.
