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

Best Doctors

Best Doctors helps you make medical decisions with confidence. They provide access to the best medical minds in the world so you can be sure you have the right diagnosis and treatment plan. They also help you find specialists and get expert answers to medical questions.

Free benefit for:

  • AIG Life – Critical Illness policyholders & Life Insurance policyholders as part of their Smarthealth benefit
  • Aviva Life – Critical Illness policyholders, Life Insurance or Income Protection policyholders as part of their Global Treatment benefit

Helping Hand

Helping Hand will give you access to your own personal nurse adviser from independent care advisory service RedArc if you’re ill and need some extra support. They can discuss symptoms, offer reassurance, and recommend counselling or additional therapies to help speed up your recovery. If you die, your nurse adviser will help your family cope with their grief; and they can offer them instant access to a bereavement counsellor. Helping Hand also offer you and your family access to our medical, career and legal helplines.

  • Free Benefit for all Royal London Life, Critical Illness or Income Protection policyholders

Global Treatment

With Global Treatment you also have access to overseas treatment for major illnesses such as Cancer, Coronary bypass, Live-Donor transplants and others. It includes 3-4 star accommodation for you and a companion, Medication up to £50,000 and a provides a total cover of up to £2million.

  • Available to Aviva Life, Critical Illness or Income Protection policyholders (who opted to pay the additional £3.00 a month). Also includes Best Doctors for Aviva customers

Mutual Benefits

At British Friendly, they believe that loyalty should always be rewarded. Mutual Benefits is a programme designed exclusively for their members:

  • Mutual Rewards – Helping you save money on day to day spending and rewarding you for the time you’ve been a member
  • Mutual Wellbeing – Helping you stay on track of your health and wellbeing with wellness tools, tips and services
  • Mutual Support – Supporting you on your road to recovery or when you face life-altering health events
  • Mutual Partners – Bespoke offers from selected partners exclusively for British Friendly members
  • All British Friendly members who are over the age of 18, UK residents and up-to-date on premium payments are eligible to join


RedArc is an independent nurse advice service, that supports you and your family with emotional and practical help that you may need at a traumatic time.

RedArc has a team of Personal Nurse Advisers who are all highly experienced and qualified with a wide range of specialised and general medical knowledge. Their second medical opinion service provides a confidential face-to-face consultation with a local UK-based specialist to confirm a diagnosis and consider other treatment options.

This is a free benefit available to:

  • Aegon ( second medical opinion service) from March 2019 with all protection products
  • Royal London – Life, Critical Illness or Income Protection policyholders (Helping Hand)
  • Scottish Widows – For Life and Critical Illness policyholders
  • Guardian Financial Services – For Life and Critical Illness policyholders (Anytime)
  • Cirencester Friendly – existing policyholders (Friendly Voice)
  • Legal and General – existing individual critical illness policyholders (since 26/11/17) and individual Life, Relevant Life or Income Protection policyholders (since May 2019)


If you have a policy with The Exeter, you and your family will have access to HealthWise, a member benefits service.

It offers quick and convenient medical advice and treatments that can be accessed from anywhere in the world through the HealthWise app on your smartphone, tablet or PC.

What’s more, HealthWise can be used without the need to claim on your policy, so using it will not affect premiums or any No Claims Discount. Healthwise is brought to you by Square Health.

This is a free benefit for Exeter policy holders.

Download the HealthWise App to access:

  • Physiotherapy
  • Mental Health Support
  • GP on demand
  • Second medical opinion



If you have a policy with AIG Life, you and your family will have unlimited access to Smarthealth at no additional cost.

This online portal service allows clients to:

  • Book 24 hour UK based GP appointments (30 Minute duration)
  • Receive private prescriptions
  • Receive a private referral anywhere in the world
  • Receive nutritional advice, fitness programs, online health checks, mental health support and wellbeing tips
  • Free benefit available to all AIG policyholders
  • Includes Best Doctors


LV Doctor Services

If you have a policy with Liverpool Victoria you will have access to:

  • The Liverpool Vic Virtual GP service
    Offering video/telephone consultations per year with a GP via the app or by calling, with appointments available Monday to Saturday
  • Remote psychological services
    Support by a qualified therapist trained to offer counselling, cognitive behavioural therapy (CBT) as well as other mental health treatments
  • Remote physiotherapy services
    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
  • Offering up to five consultations per year
  • These services are offered at no extra cost
  • Six expert medical services in one handy app or by simply calling Square Health

Vitality Rewards and benefits

Vitality offers a multitude of rewards, benefits and discounts to its members. The link below details them all. They are plan-dependent and terms apply.

Zurich support services

If you have a policy with Zurich Life you will have access to the Zurich Support Services programme. This offers:

Telephone counselling and other support services
Which 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.

  • Free and confidential health and wellbeing service
  • Can be used throughout the lifetime of the policy
  • No limit on queries or issues
  • Up to five sessions of professional counselling

GP 24

GP 24, a digital doctor consultation service powered by Medical Solutions, is available to all Cirencester Friendly members at no additional cost.

It offers access anytime to a GP by phone for diagnosis, advice and support as well as private prescriptions and referral letters via an app. Online video consultations with a GP are available between 8 am and 10 pm, seven days a week.

A free benefit for all members of Cirencester Friendly and Guardian customers

  • 24/7 GP service
  • access to expert medical advice and support
  • two consultations per annum per Member


Digicare is a new healthcare offering for  Aviva customers. Benefits and services are available via an app. This service is available to new and existing individual protection customers. Aviva is also offering Aviva DigiCare to the life assured on policies bought from Friends Life since November 2011 and Aviva from January 2015.

A free benefit to all Aviva customers

  • Health check
  • Digital GP
  • UK Second medical opinion
  • Nutritional consultation



‘Anytime’ is the benefits offering from Guardian 1821 Insurance.

All Guardian policyholders get free additional benefits – anytime, whether a claim is made or not.

It is comprised of GP24  and 2nd medical opinion. App downloadable from December 2020.


  • GP consultation from a UK-based doctor from their phone, tablet or PC
  • UK based 2nd medical opinion

Clinic in a pocket

With Scottish Widows Protect policies, you will have access to two services at no added cost.

  • Red Arc
  • Clinic in a Pocket™ remote GP and prescription delivery services, by Square Health

The services can be used by you, your partner and your children from the day the plan starts and you don’t have to make a claim to use them.


Clinic in a Pocket™ remote GP and prescription delivery services are available to all new policyholders from 22 March 2021

Policyholders, their children and partners can access a UK doctor 24/7 to talk through any health or medical concerns by remote consultation

RedArc’s Personal Nurses service:

  • Any long-term physical or mental illness such as cancer, cardiac, depression, anxiety etc.
  • Bereavement
  • Trauma
  • Disability
  • Support on discharge from hospital – helping you recover


LegaCare is a charity that specialises in providing personal legal advice and continued support to people with a life-threatening or terminal illness. As part of our Claims Support package, LegaCare telephone access is accessible at no additional cost to anybody who has an income of £30,000 or savings of £30,000 or less for clients who live in England and Wales. For an agreed donation LegaCare can still help patients who may not qualify on financial grounds above this financial limit.

  • This service is only available if you have arranged a policy prior to 13th November 2018

Umbrella Benefits

Umbrella Benefits is the Legal and General (L&G) additional benefits offering available only by purchasing L&G protection through your Protection Adviser from 13th July 2021.

Practical and emotional support is included as standard with two services that focus on physical and mental health. There are also two new optional benefits that can be purchased for added health and financial security for additional peace of mind*.


  • Wellbeing support
  • Fracture cover*
  • Private diagnostics*
  • Rehabilitation support


YourHalo is the Cirencester Friendly additional benefits offering. Offering access to advice and support from healthcare professionals.

YourHalo’s specialists include physiotherapists, sports therapists, nutritionists, fitness specialists and sleep experts.

Members can also use this service to receive an assessment to gain insights into their health, including biological, psychological and social factors.

  • Cirencester Friendly policyholders will be able to access the service at any time during the lifetime of their membership
  • The service will be offered via appointments that will be delivered remotely
  • No additional cost