GP appointments, counselling, employment advice, legal consultations, and more
Insurance can offer more than financial protection - and many people are surprised to discover the extra support available through their policy.
With increasing pressure on health and social care services, alongside ongoing financial uncertainty for many families, additional benefits can provide meaningful everyday support. Services vary by insurer but may include virtual or telephone GP appointments, counselling, prescription delivery, and advice on areas such as employment, housing and legal matters.
Below, we've highlighted some of the additional services offered by UK insurers.
Please note: services depend on your insurer, policy type and eligibility. The below are summaries of benefits, last updated on 09/07/2025 - T&Cs may apply. For more details, contact us on 0800 316 7253 or consult with your insurer directly.
Find your insurer below to see their support.
Aviva
Aviva DigiCare+ is a smartphone app you can use when you take out select insurance plans with them, offering free access to health and wellbeing services via your smartphone.
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.
Beagle Street
- Simple will writing service - All policyholders can write a free simple will through regional partners, ensuring your wishes are clear and legally recognised.
- Early funeral payout - A portion of the policy payout can be accessed quickly to help cover funeral costs before the full claim is processed.
- Scroll through the death register - Helps identify unclaimed life insurance claims by searching the death register, so benefits aren’t missed.
- Policy in trust - Placing your policy in trust means faster payouts to loved ones and may reduce inheritance tax liability.
- Legal advice - All policies come with one hour of free legal advice from RAC Legal Services for any legal concerns or questions.
- Loved ones service - Shares key policy details with your chosen loved ones so they’re prepared to make a claim when needed.
- Terminal illness cover - If diagnosed with a terminal illness and less than 12 months to live, you can claim early to manage your affairs while still alive.
British Friendly
British Friendly offers BF Care, a discretionary package allowing Income Protection policyholders and their loved ones to claim additional financial support during life-changing events.
What's included?
- Death benefit: 26 weeks’ worth of your Income Protection benefit (maximum £2000) if you die.
- Bereavement benefit: 13 weeks’ worth of Income Protection benefit (maximum £2000) if your partner, spouse or child (up to age 18) dies.
- Care assistance benefit: £125 per week for up to 13 weeks for your parents/parents-in-law, or up to 16 weeks for your partner, spouse, or Child) if full-time care is required for at least 4 weeks.
- Recovery support benefit: Up to £2000, to support you in returning to work following an illness or injury if you’ve claimed on your Income Protection policy and have received your benefit for more than 6 months.
- Terminal illness benefit: Up to £2000 available to Death Benefit and Bereavement Benefit policyholders if the policyholder or their partner, spouse, or child receives a terminal diagnosis. A Death or Bereavement Benefit claim cannot be made if a Terminal Illness Benefit has been paid.
Cirencester Friendly
Cirencester Friendly offers non-contributory discretionary benefits separate from your income protection policy, including:
- GP24:
- 24/7 access to virtual GP service via telephone and video appointment with a qualified GP.
- Children's critical illness support: Pays a £2,500 lump sum should the policyholder's child fall ill with any of the ten listed illnesses.
- Friendly Voice: A telephone service from a Personal Nurse to support with practical help, emotional support, therapies and second medical opinions.
- 125 Foundation: Supports with funding to individuals (Individual Awards) and local community projects (Community Awards).
- Halo: A personal health and wellbeing service, including physical wellbeing, food & nutrition, good sleep and exercise and activity.
- Member perks: Provides a wide range of discounts and offers on cinema tickets, gym memberships and grocery shopping.
Guardian
Guardian Anytime
All Guardian policyholders can access Guardian Anytime services as soon as their policy starts, which provides GPs 24/7 and fully supported medical options.
Policyholders can receive unlimited advice, reassurance, and a diagnosis where necessary. Simply call the Anytime service team and agree a suitable time to talk to a GP by phone or video call. A translation service is available for non-English speakers.
HALO
Guardian takes a personal approach when helping you make a claim.
For Income Protection claimants, Halo offers specialist services designed to support them in getting back to work.
Available support includes:
- Second medical opinion from a UK Consultant
- Specialist therapy for neurological conditions
- Support with home, family and childcare issues
- Finding a solicitor to handle probate
- Bereavement counselling
- Nursing support following diagnosis and treatment
- Estate planning following a terminal illness diagnosis
- Counselling to help families cope with serious illness
- Therapies to ease the consequences of treatments
- Help to draw up a power of attorney
- Support and guidance to navigate the NHS
- Signposting to employer or state benefits
The type of support received will be dependent on the claimant’s unique circumstances.
Holloway
Holloway Friendly offers policyholders a free support service that offers 24/7 counselling and advice to members via a freephone number: 0800 0931 535. Their Citizen's Advice experts are trained to advise on:
- Debt Management
- Employment
- Housing
- Bereavement
- Housing
- Stress
Policyholders can also call 0800 0931 535 for support in:
- Pausing your direct debit payments for up to 6 months
- Financial support, offered at Holloway Friendly's discretion
Legal & General
From the day that your Legal & General policy begins, you and your immediate family have access to Wellbeing Support.
- Free life cover: Covers life between exchange and completion of a mortgage at no extra cost (excludes Family/Personal Income Plans).
- Wellbeing support: Free access to RedArc’s personalised nurse-led emotional and practical support.
- Support services: Ongoing help for clients and close family, including mental health, serious illness, and carer support.
- Rehabilitation support: Income protection claimants get tailored return-to-work support from healthcare professionals.
- Accident hospitalisation benefit: Pays £5,000 if hospitalised with injuries for 28+ days after an accident (CIC policies only).
Children’s critical illness cover extras:
- Accident benefit: £5,000 if a child is hospitalised with injuries for 28+ days.
- Child funeral benefit: £5,000 towards a relevant child’s funeral.
- Childcare benefit: Up to £1,000 for under-5 childcare after a valid critical illness claim.
- Family accommodation: £100 per night (max £1,000) for hospital stays after a child’s diagnosis.
LV=
Legal Advice Line
Free, confidential legal guidance on topics like property disputes, penalty notices, and identity fraud.
LV= Member Support Fund
Financial help available during difficult times, even if not covered by a protection policy.
LV= Member discounts
Save on LV= general insurance products like home, pet, and travel insurance.
LV= Business Care
24/7 legal, tax, and VAT advice for business owners—free and easy to access.
LV= Doctor Services
LV= Doctor Services gives you and your spouse/partner (provided they live at the same address) access to six expert medical services:
- 24/7 remote GP consultations
- Private prescription service
- Mental health support (5 sessions shared with partner)
- Expert second opinion
- Physiotherapy (5 sessions shared with partner)
- Discounts on health MOTs and lifestyle plans
- Children covered for GP, prescriptions, and second opinions (up to age 16)
Customers can access these benefits via app or by calling SmartHealth.
Royal London
Royal London offers free cover as soon as the application is submitted (limits apply). It also offers two services: Helping Hand and Red Arc.
Helping Hand
Access early medical care services and dedicated nurse support at any point throughout the policy via the My Royal London online account, including:
- 24/7 virtual GP appointments (HealthHero)
- Mental wellbeing app (Thrive)
- Online health assessments
- Physiotherapy and exercise support (TrackActiveMe)
- Access to a helpline where customers can receive advice or support from a legal professional or recruitment specialist
RedArc
Access dedicated nurse support for customers and their families during serious illness, injury, or bereavement, including:
- Ongoing guidance and emotional support
- Help understanding diagnoses and treatment
- Access to counselling, second opinions, home care and more
- Support for conditions like cancer, heart disease, mental health issues, and MS
Support is available even if your condition has yet to be diagnosed, covering conditions such as cancer, cardiovascular diseases like strokes and heart attacks, mental health conditions, orthopaedic, addictions and eating disorders, and more.
Scottish Widows
Scottish Widows policyholders have access to Scottish Widows Care, which provides free advice and support around physical and mental health via qualified nurses and professionals. Benefits include:
- Access to physical and mental wellbeing services: RedArc, Clinic in a Pocket and Macmillan Cancer Support
- Support for client’s children and partner
- Help with bereavement and trauma
- Help at home, therapies, specialist second opinion
- Easier access to virtual GP and appointments 24/7
- Support with cancer diagnosis
The Exeter
The Exeter offers the Healthwise app, which gives you and your family free direct access to medical experts whenever you need them through your smartphone or tablet.
Real Life buyers will have access to benefits such as:
- Remote GP access: Skip NHS wait times with up to 4 phone or video GP consultations a year, from anywhere in the world.
- Second medical opinion: Get up to 2 expert reviews on diagnoses or treatment plans for added clarity and peace of mind.
- Registered dietitian support: Access 6 personalised consultations a year for better nutrition and health condition management.
- Lifestyle & nutrition coaching : Receive 6 sessions annually to improve sleep, manage stress, and boost overall wellbeing.
Income First buyers have exclusive additional benefits such as:
- Mental health support : Up to 6 therapy sessions with specialists for emotional wellbeing, including anxiety, depression, and more.
- Physiotherapy access: Six video consultations a year for assessment and treatment of joint and muscle issues.
Vitality
Vitality offer The Vitality Programme, which is the world’s largest health promotion programme linked to insurance.
Customers earn points by achieving health ‘goals’ set by Vitality the app, which can then be used to unlock a range of rewards. There are two tiers to the programme:
Vitality Select is included as standard if customer’s monthly premium is below £45 for single life plans or below £60 for joint life plans:
- Discounts and rewards from Caffe Nero, Expedia, itsu, Odeon, Vue and more
- Available to all members at no extra cost
- There is no charge for children on the plan
Vitality Plus is included with Optimised plans where customer’s monthly premium is above £45 for single life plans or above £60 for joint life plans:
- Discounts and rewards from Amazon, PureGym, Apple, Caffe Nero, Expedia, itsu, Odeon, Vue, Merlin, Carluccio’s and more
- One free Vitality Healthcheck included for a member on the plan in the first year
- Children named on the plan receive access to the Vitality Programme
Vitality Plus includes an additional £4.75 fee per month, per adult.
Zurich
Zurich Support Services are available with all life, critical illness and income protection insurance. Benefits include:
- 24/7 access – Support available any time, every day, from policy start
- Emotional support – Help with anxiety, depression, stress, illness, and life balance.
- Practical advice – Guidance on debt, bills, consumer rights, job hunting, and housing.
- Life event support – Assistance with bereavement, divorce, weddings, and relocation.
- Workplace help – Advice on employment rights, harassment, and workplace stress.
- Therapy access – Support or referral for counselling and mental health services.