The free life insurance benefit that could help your children’s mental health
Three in four parents worried about their children’s mental health according to recent research by leading life insurance provider, LV=.
These days, when you have a life insurance policy with one of the UK’s leading providers, you don’t just get cover, you’ll also receive access to free benefits included within your cover.*
What is Smart Health?
Smart Health is AIG’s (one of the UK’s leading life insurance providers) extra added service.
The all singing, all dancing app can provide you and your family with so many different types of benefits. Not just any benefits either, these added extras can make a real difference to yours and your family’s life.
When you take out a life insurance policy with AIG, you’ll automatically be given access to the Smart Health app. The benefits on this app are available 24 hours a day, 365 days a year, and at no additional cost.
How can your life insurance benefits help you with real life problems?
One of the main benefits included with AIG’s Smart Health and a benefit that the other leading UK life insurance providers offer is free mental health support. Aside from this, they also offer:
- Second medical opinions
- 24/7 GP appointments
- Fitness plans and advice
- A personalised health check
- Nutrition plans and advice
No matter what policy you have, whether it’s level life cover, joint life insurance, critical illness insurance or income protection, AIG will give you access to Smart Health.
Your kids get access too
As a parent, you’re used to putting your kids' needs before your own and you’re probably used to worrying about them more than you worry about yourself.
One of the best parts about the Smart Health benefits (just when you think they couldn’t get any better) is that they can be used by yourself, your partner, and any of your children up to the age of 21.
How does Smart Health’s free mental health support work?
If you, your partner, or your children decide that you want to use the free mental health support offered by Smart Health, all you need to do is give them a call or head online to book a consultation with a Smart Health psychologist.
Then, all you need to do is complete a simple questionnaire which will be reviewed by a leading GP. After that, you’ll be referred to the person who has the best skills and experience suited to your needs.
Once your booking is confirmed, you’ll be sent some information about your allocated psychologist, detailing their expertise and specialism, so then you’ll know who you’ll be speaking to. They’ll even send you some relaxation exercises to prepare!
You’ll be allocated up to four appointments with a psychologist, which will all be around 50 minutes long. Most people reach their goals in these sessions (or less) and the experts may even provide additional resources for you to use at your own leisure, once your sessions are complete.
Unsure if your child is struggling?
Even as adults, we struggle to talk about our mental health at times, so imagine what it’s like for a child.
As a parent, you need to be able to spot the signs of when your child is struggling with a mental health condition. Some of the biggest indicators that your child is suffering are:
- Significant changes in behaviour
- Difficulty sleeping
- Withdrawing from social situations
- Not interested in the things they normally are and not wanting to do the things they usually like
- Self-harm or neglecting themselves
Using your life insurance benefits
Making use of your life insurance benefits is so important, and it couldn’t be easier.
When you take out life insurance with our help, one of our experts will touch on the benefits that you’ll get included with your life insurance policy.
Then, using Smart Health as an example, you’ll be sent login details for the app, so that you can access your benefits whenever you need them.
Supporting a child or young person
As well as accessing your free mental health support included with Smart Health, there are many ways that you can support your child or a child in your life that is battling mental health issues.
According to the NHS, here are the top ways to support a child who is struggling with mental illness:
- Being there to listen to them
- Staying involved in their life
- Encourage their interests
- Take what they say seriously
- Build positive routines
What is the criteria to get the free benefits?
When you take out life insurance, you pay a premium every month to keep your cover in place.
So as long as you keep up with your payments, you'll be covered by your policy, and as long as you’re covered by your AIG policy, you’ll have access to your free benefits.
When do your free life insurance benefits start?
Typically, your free life insurance benefits will begin from the minute your policy is active (the day your policy starts). This means that you can start making use of everything your life insurance policy has to offer, straight away.
There’s more than benefits
If you’re amazed that your children can access the same life insurance benefits as you, then you’ll definitely be impressed to find out that you can also get critical illness cover for children too.
Many of the UK’s leading life insurance providers also offer children’s critical illness cover as a free added extra when you take out your own critical illness policy with them.
How does children’s critical illness cover work?
When you take out your own critical illness insurance policy, many of the UK’s leading life insurance providers automatically include children’s cover automatically (at no extra cost) or you can choose it as an add on, for a small additional fee.
Having this additional cover on top of your own, would mean that if your child was diagnosed with a critical illness (that met the critical illness definition in your policy conditions), your cover could pay-out a small lump sum.
But one of the biggest advantages of having children’s critical illness cover in place is that, if you were to sadly make a claim on the children’s element of your cover, your own critical illness policy will still remain in place. With children’s critical illness cover added onto your policy, you can get two types of cover rolled into one!
What illnesses can children’s critical illness insurance cover?
Children’s life insurance could make all the difference, if your little one was to sadly be diagnosed with a critical illness.
The conditions covered by this add-on will always vary, depending which provider you go with. As standard, some examples of the conditions that could be covered by this policy add-on are:
- Type 1 diabetes
- Down’s syndrome
- Cystic fibrosis
- Cerebral palsy
Aside from the children’s cover, how can this policy help?
Having a critical illness policy in place or a combined life insurance and critical illness policy, would mean that you’re covered for a set list of defined critical illnesses. If you were diagnosed with one of these illnesses, your cover could pay out a tax free lump sum.
The illnesses you’ll be covered for can differ, depending on which provider you go with. But on the whole, most policies cover the following illnesses, as standard:
- Heart attack
- Cancer
- Loss of limbs
- Parkinson’s disease
- Stroke
- Loss of sight
- Organ failure
- Multiple sclerosis
- Alzheimer’s
Our fuss free service
Our service makes applying for life insurance easy.
At Caspian Insurance, our service is not only free of charge but it is designed to make sure that you end up with the type of policy and level of cover that’s best suited to you and your family.
We take into account your affordability, needs, wants, and your circumstances to ensure that the life insurance policy you take out aligns with your lifestyle. Click the button below to get started with your free quote now!
*These benefits are not contractual and can be withdrawn at any time
