Life insurance uncovered - what does your policy really offer?

Most insurance policies have a few perks hidden up their sleeves.

But you might be surprised to find out just how much the hidden perks in your policy can help you and your loved ones.*

Global treatment

Aviva self-describes Global Treatment as "Giving people the power of choice at their most powerless."

Global Treatment provides you access to international facilities, doctors, and treatment worldwide. This extraordinary benefit allows you to pursue recommended treatments without worrying about arranging and paying for treatment, travel, and accommodation.

Aviva offers Global Treatment as an optional extra when you choose any of the following policies: Life Insurance+, Critical Illness+, or Income Protection+.

How does Global Treatment work?

Global treatment is an end-to-end service, meaning they will help you through the process from one end to another.

The procedure eliminates the hassle of organisation and administration throughout the entire consultation and treatment process, enabling your clients to focus solely on their recovery.

  • After a diagnosis, Aviva's reputable partner, Further, assigns a dedicated nurse case manager and a customer care team.

  • The care team identifies the appropriate treatment centres for your case, where physicians will consult and offer various treatment options.

  • You can then review these options and select the treatment and location which best suits your preferences.

  • The care team pays for and handles the hospital admission, including arranging travel and putting the person who needs treatment and a companion in a 3-4-star hotel accommodation. Your companion will get a £100 daily cash allowance to help with daily expenses like food and travel.

  • Upon returning to the UK, the plan covers ongoing medication costs up to £50,000, should they not be covered by the NHS.

More about this incredible benefit

If you, the policyholder, choose to add this to your policy for an additional cost, you and your eligible children (up to age 18 or 21 if in full-time education) will be covered for overseas treatment for the following illnesses;

  • Cancer treatment
  • Coronary artery bypass surgery
  • Heart valve replacement or repair
  • Neurosurgery
  • Live-donor organ transplants
  • Bone marrow transplants

AIG's six levels of care

If you have a policy with AIG, Smart Health is accessible via its app 24/7, 365 days a year, at no additional cost (AKA, it's included in your policy). Plus, all services extend to your immediate family, including children up to age 21, at no additional cost.

  • 24/7 GP appointments: It's pretty out of this world to think an app could help with something as serious as a GP appointment, but Smart Health can. This feature can give you access to same-day appointments with a UK-based GP.

  • Fitness Plans: Receive personalised four or eight-week programs designed by sports and nutrition experts tailored to your goals, whether weight loss or general health improvement.

  • Health Checks: Access online health assessments crafted by specialists to learn about your BMI, cardiovascular risk, and more, with unlimited checks and personalised health advice.

  • Nutrition Advice: Talk to specialist nutritionists for personalised dietary plans to meet your health goals.

  • Mental Health Support: Benefit from up to 4 free therapy sessions annually, with tailored counselling for issues like depression, anxiety, and stress.

  • Second Opinion Service: Get peace of mind through access to second medical opinions. This benefit can help give you security in your diagnosis and treatment plan - they'll be thoroughly reviewed by experts, complete with a detailed report.

These services are designed to empower you to take control of your health and wellness.

Return to work support

If you've claimed on your income protection policy, you've been off work for a while. Whether it's three months or two years, easing back into working life will be an adjustment.

If you have an income protection policy with Liverpool Victoria, they offer a few different benefits to help you get back on your feet. Check out the incredible benefits they offer at no extra charge:

  • Physiotherapy to help get you moving
  • Mental health advice to support your wellbeing
  • Other services to ease you back into work

And the best part? Using these perks won't cost you a penny more, nor will it affect your policy payouts. 

Keep moving for freebies

Moving your body more is easier said than done. But what if you had the incentive of earning rewards for keeping active?

Vitality arguably offers one of the best benefits schemes by rewarding you for staying healthy. Earn points for your daily steps, exercising, and even working on your mental health. Basically, the more you move, the more points you get.

  • **Get an Apple Watch SE from just £7 a month upfront, and earn points by keeping active (the more points you earn, the less you pay for your watch)
  • *Cinema tickets
  • ***Earn a 12-month Amazon Prime membership
  • Up to 36% off a range of Fitbit devices
  • Up to 50% off selected gym memberships
  • Get up to 81% off health screenings with Bluecrest
  • Up to 40% off a range of Garmin watches

Mental health support

Waiting lists to get help for your mental health are still sky-high. So, it's safe to say that getting an appointment can take a while.

Luckily, if you have insurance with one of the UK's leading insurers, you can get help and support from trained experts based in the UK. Below is a breakdown of what some top insurers include in their benefits.

  • AIG's Smart Health app offers mental health support, meaning you could get up to four free therapy sessions, your children (up to 21) and your partner.

  • Aviva offers help via a video or telephone consultation with a qualified specialist. Six therapy sessions can be shared between you, your partner, and your children aged 16 to 18 (or up to 21 if they're in full-time education).

  • Vitality offers two levels of mental health support. Their core cover is included as standard with your policy, where you can access up to 8 CBT or counselling sessions per plan year. Additionally, for a higher premium, you can get unlimited talking therapies, £1,500 worth of out-patient cover, and no annual limit for hospital stays.

  • Liverpool Victoria provides access to mental health care via an app, offering an initial assessment and up to 5 free remote sessions annually for treatments like counselling and CBT, with options for further referrals.

  • Royal London provides you with access to Thrive: Mental Wellbeing. This NHS-approved app can help you with your mental health by giving you personalised recommendations to help prevent, detect, and manage mental health conditions.

  • Legal and General mental health support can help with anxiety, stress, grief, and relationships. Plus, they also offer access to a course of counselling, if appropriate.

Grief support

The act of claiming on a life insurance policy is always laden with difficulty; after all, it follows the death of a loved one, something which is never easy.

Many of the UK's top insurers don't just offer life insurance; they also provide support and guidance to help you through a tough time if and when the worst happens.

When you take out life insurance with us, we also offer our own support as a brokerage. We have a dedicated claims support team who can help you with any questions about the claims process. We're here to help liaise with the insurance provider and do as much as possible to ease the burden.

*Benefits are not contractual and may be changed or withdrawn in future. Some rewards are subject to having a qualifying plan and are subject to T&C’s. **Apple watch is subject to a credit check and a credit agreement. T&C’s apply *** Amazon Prime Membership is subject to a credit check and a 12 month credit agreement.