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For European Brokers
Help employers make data-driven purchasing decisions for care outside statutory coverage — without disrupting your insurer relationships.
Estimated from pricing range data; savings depend on market, category, and negotiation.
observed price variance*
potential savings range*
supplementary categories
*Based on published tariffs and market data. Actual results depend on provider availability, negotiation, and implementation.
The Problem
Statutory insurers don't share claims data — you can't see where your clients are overpaying.
Supplementary products are commoditized. Every broker sells the same dental and PMI plans.
You're competing on relationships while CFOs demand quantified ROI.
Without pricing intelligence, your advisory work has no proof of value.
Why Carve Out?
Statutory coverage works for base care. But for supplementary categories, employers are paying out of pocket anyway — with no price intelligence and no leverage.
Statutory insurance covers imaging, but wait times are 6–12 weeks for MRI in the Netherlands, longer in the UK and Nordics.
Dental, mental health, executive health checks, physio — minimal or no statutory coverage across most EU markets.
Many providers charge above-tariff rates for faster access. Employers pay the difference with no price intelligence.
The Opportunity
You don't need claims data when employers contract directly with providers. Brokers facilitate procurement decisions and support employer negotiations with pricing intelligence and market data.
Build pricing intelligence from provider quotes and published national tariffs — not from insurance claims you can't access.
Dental, mental health, imaging, physio, executive health checks — all paid outside statutory coverage, all ripe for procurement.
EU patient mobility rules (Directive 2011/24/EU) facilitate access to care across member states, but reimbursement and administrative requirements vary by country and should be reviewed on a case-by-case basis.
How It Works
Show how employer spend on supplementary care compares to market rates.
Collect and normalize provider quotes against national tariffs.
Employers make their own decisions with full price transparency.
Employer-paid fees. No provider compensation. Audit-ready.
Real Numbers
Abstract concepts don't close deals. Here's an illustrative scenario based on market pricing data.
Your portfolio
12 mid-size employers in the Netherlands, totaling 18,000 employees
Annual imaging demand
~1,500 employees will need MRI/CT/X-ray annually (8% utilization rate)
Market pricing
MRI rates range from €280 to €1,400 in the same city. Average market rate: €720
Employer-negotiated rate
Support employer contracts with 4 imaging centers at €380 — aggregated volume helps secure below-market rates
Annual Impact
Imaging carve-out only
Your revenue (choose your model):
And that's just imaging.
Add dental, mental health, physio — each category expands advisory scope.
Figures are illustrative; actual results depend on market conditions, negotiation, and implementation.
Carve-Out Categories
MRI, CT, X-ray, ultrasound. Price variance of 3–8× between providers in the same city. Our core module.
Minimal statutory coverage across most EU countries. Huge self-pay market. Employers already buy dental separately.
Long public waiting lists in Netherlands, UK, Germany, Nordics. Employers paying for private access to reduce absenteeism.
Musculoskeletal care with massive price variation. Direct impact on workforce productivity and sick days.
Hip, knee, eye surgery where employers fund faster access outside statutory wait times. Regulatory and referral requirements vary significantly by country — requires case-by-case legal review.
Common corporate benefit, completely outside statutory coverage. Easy entry point for new broker relationships.
Your Brand, Your Advisory
The employer sees your brand, not ours. You own the client relationship — delivering branded reports and advisory content while employers retain purchasing authority and provider relationships.
Your Brokerage
Carve-Out Procurement Report
Illustrative Annual Savings*
*Actual results vary by market, category, and negotiated terms.
Compliance-Forward by Design
Procure supports brokers in employer advisory roles. It does not alter insurer relationships, act as a regulated health insurer, or provide clinical recommendations. Employers retain final purchasing authority.
Price intelligence focuses on cost data; clinical quality and outcomes are independent factors.
Regulations for direct contracting vary by country — consult local counsel.
All figures are illustrative estimates, not guaranteed outcomes. Benchmarks based on published tariffs; no clinical quality data included. Some activities may fall under insurance distribution (IDD) or healthcare mediation regulations — consult legal advisors in your jurisdiction. See Privacy Policy for GDPR details.
Benchmarking and RFQ support for supplementary care.