October 8, 2020

Best Doctors – an additional benefit with AIG Life and Aviva

We arranged life insurance in 2015 for Mr M, aged 69.  The policy was with AIG Life who, along with Aviva, offer Best Doctors as an additional benefit.

Best Doctors can provide a second medical opinion, given by the most prominent physicians around the globe.

Medical History

Mr M contacted us in March 2017 because he was hoping to increase the level of his life insurance cover. Unfortunately, he found that he was unable to obtain life insurance as he was suffering from neurological symptoms, and had not been given a definite diagnosis.  He had undergone various tests and been given the best diagnosis of ‘cognitive impairment with no known cause’.  His GP told him that there was nothing more they could do to offer either a diagnosis or a treatment plan.

Our advice? Call Best Doctors

Mr M had a life insurance policy with AIG Life that offered the Best doctors service. We recommended he contact them to see whether they could assist him in obtaining a full diagnosis.  He called Best Doctors and was immediately assigned a Case Worker who dealt with his application, and provided him with updates on a one to one basis.

Best Doctors then obtained his medical records including test results, and sent all the documentation to a Neurologist in Boston.  The Neurologist assessed all the information and advised that he was also unable to make a diagnosis. However, he did say that the tests weren’t as comprehensive as he would have recommended.   The Neurologist noted that Mr M had been given a heart monitor for just three days, and advised that ideally monitoring for a month is best in order to provide useful readings.

The Outcome

Mr M took the report from Best Doctors to his GP to discuss the recommendations.  Initially, the GP felt that the NHS budget would not stretch to a month-long heart monitor.  However, he agreed to pass the report to an NHS Consultant who subsequently authorised a month-long test.  The test results found abnormalities which were not initially found during the three-day test.

This was only found as a result of him using his Best Doctors policy benefit.  We wish Mr M a quick recovery.

Your Benefits

Many insurance companies offer excellent additional benefits to their policyholders. To find out about what you might be entitled to, click here to read more about Best Doctors, Helping Hand and Global Treatment.

If you are unsure which benefits you can access as part of your policy, we will be happy to answer any questions you may have.

Call me back

Whilst you are welcome to get a quote online, we would recommend you speak to one of our advisers.

Any quote that your adviser provides you with will take into account to your circumstances and medical history, as well as your budget!

An online quote is just that – a quote – it isn’t a definite offer of cover. What really matters is the premium you are offered, after your application has been assessed.

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof

Call me back

Interested in related stories?

Jon’s moving story – being diagnosed with cancer.

The protection industry pays out over £5.7bn in claims in 2019

What questions will an adviser ask me?

Will my claim be paid?

Why you can trust Future Proof.

The benefits of an index-linked insurance policy

Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer from a medical condition and concerned you can’t secure Life Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

Links to third-party websites exist for information only, and we accept no responsibility or liability for the information contained on any such sites.
The existence of a link to another website does not imply or express
endorsement of its provider, products or services by us or St. James’s Place.

Client id: 95131832