August 31, 2018

Can I Use Best Doctors with an existing Medical Condition?

Can I use Best Doctors with an Existing Medical Condition?

What is Best Doctors?

Best Doctors help you make medical decisions with confidence. They provide access to the best medical minds in the world, giving you the peace of mind that you have been given the right diagnosis and the best treatment plan available. They also help you find specialists and obtain expert answers to all your questions.

The world of medical science is advancing rapidly and having access to Best Doctors means that if you, your partner or any of your dependent children are diagnosed with a serious or worrying illness, a world-leading expert can help you. They will:

  • conduct an in-depth review of your diagnosis and medical care
  • provide expert advice and recommendations for medical treatment

Best Doctors is available in the UK through two insurers and the cost is included within the cost of the life insurance premium.

Our client

Mrs C, an 84-year-old, contacted us as she required life insurance to ensure that funds would be available to pay for her funeral.  She had no provisions in place, meaning that her family would have had to pay for her funeral when she passes away.

Mrs C had experienced problems in arranging life insurance because she suffers from Stage 4 breast cancer.* Cancer Research UK

Stage 4 breast cancer means that cancer has spread to other parts of her body.

It is also called advanced cancer, secondary breast cancer, or metastatic breast cancer.

In stage 4 breast cancer:

  • the tumour can be any size
  • the lymph nodes may or may not contain cancer cells
  • cancer has spread (metastasised) to other parts of the body such as the bones, lungs, liver or brain

Our client also told us that her doctors were unsure as to what to do next with regards to treatment and had run out of options.

Expert Advice

Every insurance provider has their own underwriting criteria, and we contacted them all to find the best solution for our client.  Discussing every aspect of a client’s medical history helps us to identify the best company to apply to. This also means we avoid applying to insurers who will end up being too expensive, or worse, decline an application.

By completing our research thoroughly, we are able to avoid wasting time and obtain the best possible terms for our clients.  Due to the severity of our client’s condition, all the providers declined to insure her and as such, her only option was to take out an over 50s plan.  An over 50s plan is a policy which is not medically underwritten, so providers do not require applicants to undergo medicals and there are no health questionnaires to complete.

We found one company who was willing to offer insurance and a second medical opinion from the best oncologist in the world.

Best Doctors can provide help in obtaining a second medical opinion for health conditions like cancer and heart disease. The service is 100% confidential, you don’t need to travel or visit a doctor’s surgery or chase medical records. Best Doctors gives you the confidence to make the best medical decision.

The Best Doctors family of services includes:

  • Expert second opinions
  • Assistance finding a Specialist or treatment facility outside the UK
  • Expert advice on a medical condition
  • Doctor-on-line – GP answers to your questions within 72 hours
  • Medical Video Library – An audiovisual library including approximately 300 3D colour videos
  • Best Doctors gives patients access to expert opinions, based on the most up to date evidence-based medicine and techniques. Encompassing over 400 sub-specialities of medicine, from severe migraines to cancer and diabetes to chronic back pain
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Client ID: 131181112

Next steps

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

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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.

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endorsement of its provider, products or services by us or St. James’s Place.