Our panel of 5 star Defaqto rated insurers don’t just cover you and your family, they also give you some fantastic benefits with every policy, completely free of charge. Take a look below to see what you could be entitled to.
Health wise is an app that gives members free, direct access to medical experts whenever they need them via smartphones and tablets.
What’s more, you can use HealthWise from anywhere in the world without claiming on your policy and using it won’t ever affect your premiums.
GP on demand and prescription service (up to 4 consultations each year)
With demand for GP appointments rising and the number of NHS GPs falling, it comes as little surprise that many people have to wait weeks to be seen.
HealthWise takes this wait away, by allowing you to book phone or video consultations via the app with experienced UK-based GPs without leaving home, or from anywhere in the world.
The service offers clinical advice and guidance, and GPs can issue a prescription if required or recommend further treatment.
Second medical opinion service (up to 2 consultations each year)
Sometimes we all need a second opinion to help make a difficult decision. You can use HealthWise to access a second medical opinion, where a diagnosis can be assessed and analysed by a second expert pair of eyes. It could provide a different treatment plan, or just valuable reassurance.
Physiotherapy (up to 6 consultations each year)
With HealthWise you can also receive assessment, diagnosis and treatment of musculoskeletal conditions. With access to a network of physiotherapists, you can get the help you need via video consultation.
Mental health support (up to 6 consultations each year)
HealthWise gives you access to fully trained specialists who can assess and treat a range of mental health conditions including anxiety, depression & substance abuse, as well as offering emotional and behavioural support. The service is provided by video consultation with therapists via the app.
Vitality’s benefits focus on your health and wellbeing by offering rewards and discounts with their lifestyle partners. All policies give you a number of ‘core benefits’ which are listed below, but you also have the option to an enhanced package through their ‘optimiser’ plan.
Vitality Health Checks: You can get a 30-minute Vitality Healthcheck to measure your blood pressure; Body Mass Index; glucose; and cholesterol levels at a reduced cost.
Bluecrest Health benefits: Receive between 50-80% off Bluecrest health screens depending on your Vitality age gap.
Discounted Fitness Products: Up to 40% off selected fitness tracker devices with Polar, Garmin or Withings, 50% off running shoes with Runnersneed plus many others.
WW Discounts: £30 for a six month digital and studio plan.
Stop smoking assistance: Free Allen Carr’s Easyway to Stop Smoking programme (retail price £299).
Champneys benefits: 75% off Champneys health spas, 35% off Champneys town and city spas and 25% off Champneys spa products.
British Friendly offer their benefits program called “Mutual Benefits.” This program is designed to return back some of the value of your policy in rewards. It doesn’t matter if you have claimed or not, you can still reap the rewards!
Types of benefits they offer include:
Mutual Rewards – This includes high street discounts and prize draws, you will be automatically entered into a draw to win prizes worth £1000.
Mutual Support – This includes additional healthcare services provided by square health and a support hub that offers links to charity helplines and good resources to help you deal with life-altering events.
Mutual Wellbeing – This benefit is for general wellbeing. This includes a health MOT to check on your healthcare, lifework wellbeing app which includes discounts, tips, and articles to help keep you happy and healthy. Fitbit discounts and finally a Wellbeing Hub which offers you links and tips to help live a healthier, more balanced life.
Mutual Partners – Last but not least, the mutual partners. This benefit includes powers of attorney and will writing service assistance. Hotel discounts, travel insurance and car/van leasing.
All new clients will get access to LV= Doctor Services at no extra cost, giving you fast and convenient access to expert medical services. Simply download the Squarehealth app to get access to the below –
Remote GP – Speak to a UK doctor to talk through any health or medical concerns by video or phone consultation, up to 5 times a year.
Prescription Services – Get a private prescription without the need to visit your local GP.
Second Opinion – Check a diagnosis and get advice on the treatment options available with a UK medical specialist by video or face-to-face consultation.
Remote Physiotherapy – Get remote access to up to five free sessions with the UK trained physiotherapist and receive a bespoke treatment plan.
Remote Psychological Services – Get access to up to five sessions of mental health support from a network of highly trained therapists.
Discounted health MOTs – Provides an assessment of overall health, identifying any health risks and areas of improvement.
As a member of LV, you will also receive….
Member care line – Their care line is open to all members 24/7, offering free and unlimited access to trained counselors, nurses, and lawyers.
Discounted Rates – As a member, you will be entitled to a discount on other insurance products such as home, car, travel and pet insurance.
Member Support Fund – Once you have been with LV for a year, you can request financial assistance if you are financially struggling. This can include things like funding for a piece of specialist equipment after an accident, or funding to adapt your home due to the diagnosis of a serious illness.
As a customer of Shepherds Friendly you will be entitled to their ‘Mutual Moments’ package. This includes…
£250 new child payment – A £250 payment into a Shepherds Friendly Junior ISA to help you save for your child’s future
All medical exclusions reviewable – You can now ask to remove medical exclusions, providing the plan has been in force and you have been free of symptoms for a minimum of 12 months
Working Person’s Benefit – Tops-up your income if you have to return to work on restricted duties
Guaranteed Insurability Option – Allows you to increase your level of cover when certain life events take place
Career break option – Of between three and 24 months, where your cover and premiums are suspended, but the plan remains in force.
Short-term family income benefit – short-term Family Income Benefit provides your loved ones with a helping hand with a lump sum payment of £6,000 if you die during the term of the plan.
Aegon’s benefits include…
Health and wellbeing service – This provides you and your family with confidential and compassionate support through phone based counselling and online support tools.
Health assured, who provide this service, have qualified and experienced counsellors available to talk to you in confidence, 24 hours a day, 365 days a year. They’ll support you with a wide range of issues, including bereavement, emotional health, relationships, family concerns, finances, debt, legal issues and consumer rights.
Second medical opinion service – Their second medical opinion service gives you confidence in your, or your family member’s, diagnosis and treatment options. It allows you to get a confidential face-to-face consultation, with a UK-based specialist who’s local to you. This benefit includes: Experienced registered nurses, UK-based consultant specialist that’s local to you, Face-to-face consultation, Long-term dedicated nurse support, Confidential service.
Funeral payment pledge – The loss of a loved one can leave families facing financial hardship. Even if it’s for a short time while waiting for the estate to be distributed, it can be a real burden when you’re already dealing with a loss. The funeral payment pledge helps bereaved families meet the funeral costs of their loved ones. Aegon pay the funeral director or funeral home an advance claim payment of up to £10,000 on valid life protection claims, where probate causes a delay. This benefit includes Life protection policies, Advance £10,000 payment, Paid to the funeral home or director