Insurer benefits and extra support

Policy Plus

Offers customers a confidential, 24-hour health and wellbeing support service.

Smart Health

Offers you a convenient way to connect to the tools you need to manage your health and wellbeing. It offers unlimited access to a suite of six services:

• A 24/7 UK-based GP
• Best Doctors
• Mental health support
• A health check
• Access to nutrition consultations
• An online fitness programme.

Smart Health is available 24 hours a day, 365 days a year, at no additional cost to you. All six elements of the service are also available to your immediate family, including children up to the age of 21.

DigiCare+ is a smartphone app you can use when you take out a new Life Insurance Plan, Critical Illness Plan, or Over 50 Life Insurance Plan with us, giving you access to the tools you need to look after your health and wellbeing. 

Powered by Square Health, the app connects you with clinicians, nutritionists, therapists and more — and it won’t cost extra. So taking positive steps towards a healthier lifestyle can be as easy as picking up your phone.

*Please be aware that the benefits of the app don't form part of your cover, and they could change, or be removed, at any time.

What’s included with Aviva DigiCare+?

• Annual health check
• A test for 20 different health markers to assess your risk of diabetes, high cholesterol and gout, and your liver, kidney and bone health
• Nutrition support
• Advice on improving your eating habits as part of a healthier lifestyle
• Bupa Anytime HealthLine
• A nurse on hand, whenever you need one
• Mental health support
• Somewhere to turn if you need support with mental health
• Second opinion service
• Get another expert medical opinion on your diagnosis and treatment plan
• Bereavement support
• Practical and emotional help during those difficult times when a loved one passes away

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Companion Services

If you take out a life insurance policy with Beagle Street and are diagnosed with a critical or terminal illness, you’re eligible for our companions service.

This gives you access to a dedicated personal nurse to provide long-term practical advice and emotional support throughout your claim.

This includes unlimited phone time, with support tailored to your needs and circumstances including:

• Assistance supporting your family members
• Trauma or bereavement counselling
• Help finding a second medical opinion
  
  

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Cash in your pocket

Be in with a chance to win £100 every month.

Clinic in a pocket

Mobile app offering help and support from healthcare professionals. Includes:

• Virtual GP consultations
• Physiotherapy
• Counselling
• ‘2nd opinion services’. 

Healthwise App

The app that gives you and your family free, direct access to medical experts whenever you need them through your smartphone or tablet.

You will have access to benefits such as:

• Second medical opinion service

• Physiotherapy 

• Mental health support 

• Registered dietitian consultations.

• Lifestyle and nutrition consultations

Guardian Anytime

We're not just here for policyholders when they need to claim. All our customers get free additional benefits - anytime. This currently includes 24/7 GP consultations over the phone from anywhere in the world and UK based face-to-face second medical opinions

Krysalis help with neurological diagnosis

Claimants and families get access to specialist advice and support to help them navigate the challenges of a neurological diagnosis eg Parkinsons Disease, Motor neurone disease and strokes or brain, spine central nervous system injuries

HALO

We don’t have a set list of additional services when people claim. Our approach is much more personal, and we call it HALO. Our Claims Team listen to each claimant’s concerns, identify the exact help they need, and through our network of medical and legal experts, make it happen

Upgraded Value-Added benefits for new and back book customers

We are pleased to share the news that HSBC are opening up all of our Value-Added Benefits to all protection customers regardless of the type of product they have, in turn providing them with access to comprehensive health and wellbeing solutions.

Their Online Health Services, delivered by Square Health, can be accessed via a dedicated app, and include:

• Unlimited remote GP consultations
• Prescription services
• Physiotherapy
• Mental health support
• An annual health MOT
• Second medical opinion

 
In addition, customer’s children up to the age of 16 can take advantage of the second medical opinion, unlimited remote GP consultation and prescription services.

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Wellbeing Support
From the day that your Legal & General policy begins, you and your immediate family have access to Wellbeing Support.

• Practical and emotional support - Your assigned nurse will call as often as you need, for as long as you need.
• Recovery from illness or injury - Help with managing recovery, including: return to work coaching, lifestyle advice and organising additional services, including physio therapy and speech therapy, if appropriate.
• Mental health - Support with stress, anxiety, depression or trauma (including specialist counselling, if appropriate*).
• Diagnosis understanding - RedArc can answer any questions you may have about your treatment, diagnosis and next steps.
• Dietary and lifestyle - Advice on illness prevention, recovery, minimising risk and tips for a healthier lifestyle..
• Serious and chronic illness management - Guidance through ways of best managing illness; what to expect and treatment possibilities
• Health service guidance - Help with navigating the NHS, other health services, social care systems and charities.  Alongwith finding support groups.
• Later life planning - Including information on government services, retirement housing and finances.

*There is a per person financial limit for additional services.  Exact number of sessions and options is dependent on cost of services and personal budget.

Legal Advice Line

With our Legal Advice Line, your families can speak to a team of legal advisers – at no additional cost. People often find the legal world daunting and confusing. It can also be expensive to get thorough and comprehensive advice. The Legal Advice Line can provide:

• Free and confidential legal advice.
• Support ranging from resolving a property dispute, understanding penalty notices and handling identity fraud.
• Peace of mind, whenever it’s needed.

Doctors Services

Six services available for all personal protection policyholders at no additional cost. Please note that these services do not cover symptoms or issues related to Coronavirus:

• Remote GP
• Prescription Services
• Second Opinion
• Remote Physiotherapy
• Remote Psychological Services
• Discount Health MOTs

Remote GP

15-20-minute phone or video appointments with UK doctors, for everyday health advice, diagnosis information, and face-to-face specialist referrals.

Prescription Services

Prescriptions and sick notes emailed or posted to you, or to your local pharmacy for collection. Medication costs covered by policyholder.

Second Opinion

Check a diagnosis and get advice on treatment options with a UK medical specialist by video or face to face consultation.

Helping Hand: We've partnered with LiveSmart - a health and wellbeing platform - to give you online access to services that can help support your health goals. Once your plan starts and you register, after completing a health questionnaire you will get full access to our online wellbeing partners.

The Apps you will be able to access are.

• Health Hero (access to virtual GP appointments 24/7) – same day and)
• Thrive: Mental Wellbeing
• TrackActiveMe  

Free cover as soon as the application is submitted (limits apply)

Scottish Widows Care

All customers (and immediate family) can access free advice and support around physical and mental health via qualified nurses and professionals.

Clinic in a Pocket^TM:

Clinic in a Pocket^TM remote GP and prescription delivery services, by Square Health are available to all new policyholders from 22 March 2021. This allows them, their children and partners to access a UK doctor 24/7 to talk through any health or medical concerns by remote consultation. 

If you engage with their Vitality Plus programme you can get things like annual health screenings (blood pressure, cholesterol, raised sugar levels etc..) and you can get discounts on full health screenings. Prices start from £1.75 a month on top of your premiums.

Zurich Support Services

Free and confidential health and wellbeing service, covering a wide range of issues, is available 24/7 to customers and immediate family. 

Did you know?
Zurich’s Work-life Support service offers advice and expertise in family, career, financial, legal and emotional matters. It aims to help customers find a positive work-life balance.

Member Assistance Programme

Free 24/7 telephone counselling and support service, with fully BACP accredited counsellors advising in health, financial, housing, benefits and employment issues.