Given the stress the NHS is under right now we compiled a list of all the Life Insurance, Income Protection and Private Medical Insurance policies that provide free additional health services. We have sent this out to all our clients so they know they have access to them and can use where appropriate rather than first going to the NHS as it works so hard to battle coronavirus.
The general feedback from our clients has been overwhelmingly positive; however, there are far more people out there with these policies who aren’t our clients. That’s why we compiled this page as a resource to share so we can all do our bit to take the pressure off the NHS where we can.
As such please share this guide as appropriate so that anyone with a policy with any of these insurers are aware of the free to use health benefits they have access to and know how to use them.
Free To Use Additional Benefits for Existing Policyholders
For AIG policyholders you have access to Smart Health, which provides a range of benefits including:
Some of these benefits might be particularly useful for those in self-isolation who need medical advice.
How Do I Access Smart Health?
For existing Aviva policyholders who set-up their policy after November 2016 you will have access to their Support Plus program which includes:
** For Aviva Private Medical Insurance policyholders only**
For existing PMI policy holders you also have access to their digital GP service.
How do I access Aviva’s Digital GP service?
All existing Aegon policyholders have access to Health Assured, which provides you with access to qualified counsellors 24 / 7 / 365 who are trained to tailor the support they provide to your individual circumstances.
This could be particularly useful if you’re struggling with your mental health during this worrying period.
How do I access Health Assured?
For existing AXA PPP Healthcare PMI policyholders who have chosen the Extended Cover Option, you have access to:
How do I access Doctor@Hand?
For existing policyholders with British Friendly, you get a suite of benefits under its Mutual Benefits programme, which includes access to:
How do I access Mutual Benefits?
For existing Bupa policyholders you have access to the Babylon healthcare app which includes:
How do I access the Babylon app?
For existing Cirencester policyholders you have access to the Cirencester Friendly Voice service, provided by RedArc.
About the RedArc Service
How do I access the Cirencester Friendly Voice?
For existing Holloway Friendly policyholders you have access to the insurer’s member assistance program, which offers access to:
How do I access the Holloway Friendly member assistance program?
For existing individual critical illness policyholders (since 26/11/17) and individual Life, Relevant Life or Income Protection policyholders (since May 2019) with Legal & General, these benefits include:
About the RedArc Service
For existing policyholders with Liverpool Victoria, these benefits include:
How do I access LV’s Doctor Services?
For existing policyholders with Royal London, these benefits include:
About the RedArc Service
For existing policyholder with Scottish Widows, you get benefits under the Scottish Widows Care programme, which includes:
How Do I Use Scottish Widows Care?
For existing policyholder with The Exeter, you get a suite of benefits under its HealthWise programme, which includes:
How Do I Use HealthWise?
In light of the coronavirus outbreak, Vitality has extended its telephone GP support line to all clients.
To use this service, simply dial 0345 279 8856 and have your membership number ready when you call.
** For Vitality Private Medical Insurance policyholders only**
For existing Vitality Private Medical Insurance policyholders, beyond the discounts you already receive you can access their integrated healthcare solution which includes:
How do I access Vitality GP?
For existing policyholder with Zurich, you get benefits under the Zurich Support Services programme, which offers:
How Do I Use Zurich Support Services?
If there are any other Life Insurance, Critical Illness or Income Protection providers which offer additional free to use health services that we have missed which could help route health services away from the NHS to bear some of the burden please email us at email@example.com and we will add to this table.
We have done our best to compile this as accurately as possible; however, there may be some legacy policies which DO NOT include these additional services.
The digital online GP services are great for managing everyday health concerns. However, they are NOT designed to cover medical emergencies, situations including, but not limited to: chest pain, severe bleeding, severe difficulty in breathing, moderate to severe burns, convulsions / seizures, head / spinal injuries, serious limb impairment or broken bones. For such emergencies, your first port of call should be your local Accident and Emergency Department or to dial 999.
I’ve held a policy with Drewberry for several years now. They are always friendly, insightful and offer great service.