Reducing Pressure on the NHS: Free Health Services with Life Insurance, Income Protection & Private Medical Insurance Policies

Lightening the Load on the NHS

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

AIG logo

For AIG policyholders you have access to Smart Health, which provides a range of benefits including:

  • An unlimited 24 / 7 telephone or video virtual GP service available through an online app or over the phone.
  • Online fitness program
  • Mental Health support
  • Nutrition consultations

Some of these benefits might be particularly useful for those in self-isolation who need medical advice.

How Do I Access Smart Health?
There are three ways to access AIG Smart Health:

  • Via the app
    Available on Android and iOS devices through the App Store or Google Play
  • Online
    Visit the Smart Health website
  • Over the phone
    Just call 020 3499 0167.
Aviva logo

For existing Aviva policyholders who set-up their policy after November 2016 you will have access to their Support Plus program which includes:

  • Bupa Anytime Healthline
    Providing support and medical advice from a helpline staffed by Bupa nurses, which might be particularly useful for those in self-isolation who need medical advice. To access the Healthline, just dial 0345 030 8071.
  • Short Term Counselling
    Providing help for you and your family with mental wellness issues such as bereavement, work-related stress and relationship breakdown.

** For Aviva Private Medical Insurance policyholders only**

For existing PMI policy holders you also have access to their digital GP service.

  • Digital GP Service
    A 24/7 personal GP service enabling you to get a video consultation with a GP or pharmacy service at the touch of a button.

How do I access Aviva’s Digital GP service?
To sign up simply login to your MyAviva portal and register for the service.

Aegon logo

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?
The helpline is available on 0800 028 9095.

AXA logo

For existing AXA PPP Healthcare PMI policyholders who have chosen the Extended Cover Option, you have access to:

  • Doctor@Hand
    24 / 7 virtual GP service via phone or video which can be used up to 5 times per policy year

How do I access Doctor@Hand?
For policyholders with the Extended Cover Option you can register for the service by visiting the Doctor Care Anywhere website where you can follow the simple steps to set up your profile and book an appointment.

British Friendly logo

For existing policyholders with British Friendly, you get a suite of benefits under its Mutual Benefits programme, which includes access to:

  • Virtual GP Services
    Speak to a GP over the phone or on a video call via an app without having to leave your home. This could be particularly useful for those in self-isolation who still require medical advice.
  • Counselling
    If you’re struggling with your mental health during this trying period, you can get access to telephone counselling services through British Friendly, with experts on hand to help with a variety of mental health concerns.
  • Physiotherapy
    Consultations with an expert physiotherapist from the comfort of your own home to help manage any aches and pains.

How do I access Mutual Benefits?
You can sign up for Mutual Benefits on the British Friendly website in the members section. You will need your email address, date of birth and policy number.

Bupa logo

For existing Bupa policyholders you have access to the Babylon healthcare app which includes:

  • Digital Healthcare
    Virtual GP appointments via the app available 24 / 7, clinical triage service, prescription service and referral for further treatment if applicable.
  • Bupa Anytime Healthline
    Providing support and medical advice from a helpline staffed by Bupa nurses, again 24 / 7, which might be particularly useful for those in self-isolation who need medical advice. To access the Healthline, just dial 0345 601 3216.

How do I access the Babylon app?
It is available to download on Apple and Android devices. As per Bupa’s documentation to get free virtual GP appointments, please make sure you enter your code BUPADHC when registering for the app or booking an appointment.

Cirencester

For existing Cirencester policyholders you have access to the Cirencester Friendly Voice service, provided by RedArc.

  • Nurse Support
    For members with long-term physical or mental health conditions, get support from a registered nurse via Friendly Voice dedicated to your care. The nurse will provide information and advice tailored to your circumstances.

About the RedArc Service
The RedArc service provides long-term, non-emergency support and therefore enquiries relating purely to COVID-19 should be directed to government and NHS guidance. The current restrictions mean RedArc is unable to offer any face to face services such as such as counselling, therapies, domestic help in the home etc. but is providing remote versions whenever possible.

How do I access the Cirencester Friendly Voice?
Simply contact RedArc on 01244 625180 between the hours of 9:00am and 5:00pm, Monday – Friday. Have your membership number ready when you call.

Holloway

For existing Holloway Friendly policyholders you have access to the insurer’s member assistance program, which offers access to:

  • Telephone counselling service
    Get support for a wide range of issues that may be affecting your mental health from trained counsellors.

How do I access the Holloway Friendly member assistance program?
Available to members via freephone number 0800 484 0818 24 / 7 / 365.

Legal General logo

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:

  • RedArc Nurse Support Service
    Provides help and guidance on long-term physical conditions, serious illness, trauma, disability, bereavement or mental health conditions from a registered nurse, which could be useful to those with a long-term condition who are unable to get the advice and guidance from the NHS. Access the service by calling 01244 623033 Monday-Friday 9am-5pm or by emailing legalandgeneralnurses@redarc.co.uk.

About the RedArc Service
The RedArc service provides long-term, non-emergency support and therefore enquiries relating purely to COVID-19 should be directed to government and NHS guidance. The current restrictions mean RedArc is unable to offer any face to face services such as such as counselling, therapies, domestic help in the home etc. but is providing remote versions whenever possible.

LV logo

For existing policyholders with Liverpool Victoria, these benefits include:

  • Virtual GP service
    Offering up to five video / telephone consultations per year with a GP via the app or by calling, with appointments available Monday to Saturday.
  • Remote psychological services
    Up to five consultations per year via the LV Doctors Services app with a qualified therapist trained to offer counselling, cognitive behavioural therapy (CBT) as well as other mental health treatments.
  • Remote physiotherapy services
    Up to five remote physiotherapy consultations per year with a physiotherapist without the need for GP referral. This includes diagnosing, treating and rehabilitating any musculoskeletal pain or injuries such as back pain, sports injuries or sprains via the LV Doctors Services smartphone app.

How do I access LV’s Doctor Services?
Simply download the LV Doctor Services app to your smartphone or call 0333 577 7105 to get convenient access to a leading network of UK doctors and specialists.

Royal London logo

For existing policyholders with Royal London, these benefits include:

  • RedArc Helping Hand
    Nurse support for customers with long-term physical or mental illness or those dealing with bereavement providing advice and support on physical and mental health issues, which could be useful to those with long-term condition who are unable to get the advice and guidance from the NHS. To access this service, just call 0345 6094 500.

About the RedArc Service
The RedArc service provides long-term, non-emergency support and therefore enquiries relating purely to COVID-19 should be directed to government and NHS guidance. The current restrictions mean RedArc is unable to offer any face to face services such as such as counselling, therapies, domestic help in the home etc. but is providing remote versions whenever possible.

scottish widows

For existing policyholder with Scottish Widows, you get benefits under the Scottish Widows Care programme, which includes:

  • Nurse Support
    Scottish Widows Care is provided in partnership with RedArc, offering access to trained nurses who can help with issues such as serious illness, bereavement, trauma, disability or support on discharge from hospital.

About the RedArc Service
The RedArc service provides long-term, non-emergency support and therefore enquiries relating purely to COVID-19 should be directed to government and NHS guidance. The current restrictions mean RedArc is unable to offer any face to face services such as such as counselling, therapies, domestic help in the home etc. but is providing remote versions whenever possible.

How Do I Use Scottish Widows Care?
You can access Scottish Widows Care by dialling 0800 056 5589.

The Exeter logo

For existing policyholder with The Exeter, you get a suite of benefits under its HealthWise programme, which includes:

  • Virtual GP Services
    Get up to four video or telephone appointments with a GP per year from the comfort of your own home. This might be particularly useful if you’re in self-isolation but still need medical advice.
  • Mental Health Support
    Receive up to six video consultations per year with a qualified counsellor to help with any mental health concerns you may have during this worrying period.
  • Physiotherapy
    Up to six video-based physiotherapy sessions with a qualified physiotherapist, osteopath or chiropractor to help manage aches and pains.

How Do I Use HealthWise?
You access HealthWise via the app, which is available on iOS and Android mobile devices. You’ll need your policy details, including your policy number, to use the service. This can be found on your policy documents.

Vitality logo

In light of the coronavirus outbreak, Vitality has extended its telephone GP support line to all clients.

  • GP Support Line
    Previously only available on its Health Insurance policies, this 24 / 7 helpline staffed by GPs is now available to all Vitality policyholders and can be used for any medical queries or concerns, which could be particularly useful given most of us are now in self-isolation and may not be able to visit our own GP.

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:

  • Vitality GP
    The service includes 24 / 7 GP Video consultations, self referral to Vitality’s Priority Physio service as well as access to online mental health services provided by Big White Wall.

How do I access Vitality GP?
The Vitality GP app is available for free on both the App Store and Google Play. Once you’ve downloaded the app, you’ll need to log in with the same username and password that you use on the Vitality Member Zone.

zurich logo

For existing policyholder with Zurich, you get benefits under the Zurich Support Services programme, which offers:

  • Telephone counselling and other support services
    Zurich Support Services can help in a range of situations in your daily life, from searching for childcare to moving home. Also available is a telephone counselling session service, offering up to six sessions with a qualified counsellor.

How Do I Use Zurich Support Services?
There are three ways to access this service:

  • Telephone
    Dial the freephone number 0800 326 5061, available 24 / 7 / 365
  • Online
    Visit www.workplaceoptoins.co.uk
  • Live Chat
    Available on the Workplace Options website.

IMPORTANT NOTICE
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 help@drewberry.co.uk 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 had a great experience with Drewberry, they have a lot of knowledge and expertise with life insurance and income protection and were able to advise me and arrange suitable products. Highly recommend.

Lachlan Mellings
12/08/2020
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