Added Value Benefits – everything you need to know

The protection plans your clients buy are there to provide financial security should the worst happen, whether that’s death, a critical illness or a loss of earnings through accident or illness. These are the risks the clients want to cover and the plans are designed to do just that. But today’s plans offer clients so much more than just a claim payout for the insured event. They come with an array of available features really can make them ‘fully comprehensive’, offering services that can help support clients and their families throughout the life of the plan. 

 

Contents: 

• Access to GP services
• Second Medical Opinion 
• Health Checks 
• Mental Health Support
• Nutritional Support
• Fitness services 

 

 

Access to GP services

It can be difficult for clients to get a GP appointment that doesn’t involve a long wait at the best of times, but COVID-19 has taken this to a new level. With the country in lockdown again and a vaccination programme prioritising many GP’s time, getting an appointment can be even more difficult. Being able to bypass all that and speak to a medical professional from the comfort of their own home by phone or video call, if not face-to-face, has many advantages for clients.

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Second Medical Opinion

Many clients will have more faith in a diagnosis or course of treatment if more than one medical professional comes to that same conclusion independently of each other. The reassurance of a ‘second pair of eyes’ can be enormous at an already difficult time. This is why the second medical opinion services that some insurers offer on their protection plans are such a valuable service to clients and it will help advisers to know who offers what.

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Health Checks 

Everyone can benefit from a regular check-up, regardless of the status of their health. It can help to detect a range of minor ailments that can easily be treated before they lead to bigger health problems, as well as detecting more serious health conditions such as cancer at an early stage, when they are easier to treat. The health checks that some insurers provide as additional benefit on their protection plans can provide a great way for clients to keep track of their health when access to GPs is limited.

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Mental Health Support

In these difficult times, when normal life and interaction seem so far away, ever-increasing numbers of people may be facing mental health challenges this year. For those that do, access such support through normal NHS channels can be a long and hard road. But your protection clients are not without support as many providers offer a wide range of mental health support.

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Nutritional support 

We’re all familiar these days with the benefits of good nutrition as part of a healthy lifestyle. Putting the right and best ‘fuel in the tank’ is the start point to a healthier lifestyle and the services offered by a nutritionist can help us all understand things more clearly. Providers are increasingly offering access to a nutritionist as an added value service across their protection products, but certain features are more commonly found than others. 

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Fitness services

Regular exercise can help reduce the risk of major illnesses such as heart disease, stroke, diabetes and cancer by up to 50% and even lower the risk of death by 30%, as well as being good for mental health. A lot of sense for such plans to encourage clients to lead a healthier lifestyle and provide access to fitness services, not just for the client but their family too.

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Look out for future “Everything you need to know” articles where each week we will cover a different subject and provide you with the information you need to know to discuss the topics with your clients.

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