Legal & General Launch Second Medical Opinion Services

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Legal & General have introduced ‘Second Medical Opinion’ service to a number of their insurance policies. This new dynamic to their existing product base is going to greatly improve the ongoing services that they provide to their existing clients.

The new Second Medical Opinion service will apply to the following insurance plans:

Term Assurance (Terminal Illness Cover) – one claim
Critical Illness Cover (including children’s cover) – one claim per policyholder and per child
Family and Personal Income Plans – one claim
Income Protection Benefit* – two claims
Business Protection Plans** – one claim

Provided by Healix Health Services Ltd, who are independent of Legal & General, individuals who own these insurance plans will now have access to a range of consultant specialists within the UK if they make a claim on the policy. The consultation is completely confidential and no information is passed from Healix Health Services Ltd to Legal & General.

This Second Medical Opinion service can provide a face-to-face consultation with a specialist to further assess the medical diagnosis you have been given and review the treatment that has been recommended. This is an added aftercare service provided when a claim is placed on your policy so that you can speak with a specialist from the field of your medical diagnosis. Legal & General will pay up to £300 towards the cost of the consultation.

Should you place a claim on the policy and choose to use the Second Medical Opinion service you and your GP will be provided with a report from the consultant that you see. This can include additional details regarding your specific diagnosis and any alternative treatments that may be available to you.

The Second Medical Opinion service operates independently of any claim that you place.

This service is only available to Legal & General clients once a claim has been placed on the policy, it would be nice to see it extended like Best Doctors (provided by AIG and Friends Life) where the service is available at any time for any condition.

* definition of incapacity
** this excludes Business Whole of Life Protection Plans and Relevant Life Plans

Source: www.legalandgeneral.com

Categories: Life Insurance, Critical Illness Cover, Income Protection

Client Reviews

Legal & General Launch Second Medical Opinion Services

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Leanne couldn't have been more helpful and thoughtful with her questions and work on my enquiry."

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."

"I would like to say a very big thank you especially to Amy you really went above and beyond."

"Annaliese was absolutely fantastic, making us both feel at ease and helping us navigate issues that had caused us problems with previous attempts to obtain insurance."