Gives your client quick access to some of the UK’s top specialist consultants and diagnostic test centres, for an extra £4.50 per month.

Private Diagnostics is there when your clients are faced with a potentially serious health problem, by giving them answers and reassurance from the experts as quickly as possible when referred to cardiology, oncology or neurosurgery specialists to investigate symptoms.

 

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Adviser guide
 
 

Available with

  • Life insurance
  • Critical illness cover
  • Income protection
  • Rental Protection

Why Private Diagnostics?

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An added-value service that’s unique in the market

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Available exclusively to advisers

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Covers your client and children up to age 22

Key features

 

 

Fast access to experts

Your client can arrange virtual private consultations with specialists, and in-person non-invasive diagnostic testing. Process is easily managed via the Trustedoctor portal.

Results in weeks

Diagnostics are available for oncology, cardiology or neurosurgery referrals, with results in a matter of weeks from the day of referral.

Wide range of non-invasive tests

Tests include blood tests, MRI scans, CT scans, x-rays, ultrasound scans and more.

Nationwide access to top specialists

Gives your client access to more than 100 private diagnostic centres in and around the UK’s major cities.

Multiple claims and appointments

Your client can claim for up to three separate primary consultations and follow-up appointments a year. Provided each separate primary virtual consultation is for a different symptom.

Available on our core products

Add Private Diagnostics to your client’s life, critical illness, income protection and rental protection for an additional £4.50 a month, annually renewable.

Private Diagnostics

Access some of the UK’s top consultants and non-invasive diagnostic testing for cardiology, oncology or neurosurgery referrals. Available for an additional £4.50 a month on life insurance, critical illness cover, income protection and rental protection.

 

 

More Umbrella Benefits

Wellbeing Support

Access included as standard on protection policies. Personalised practical and emotional telephone support from a registered nurse.

 

 

Rehabilitation Support Service

Included as standard with income protection. Supports a quicker return to work, and good physical and mental health.

 

Fracture Cover

Covers multiple claims a year if your client gets a specified injury.

Available for an additional £5.90 a month on life insurance, critical illness cover, income protection and rental protection up to £7,500 a year.

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Key details

Key details

Available on Joint Life policies

If your client chooses a joint life policy they can add Private Diagnostics for one or both lives insured.
One policy per life insured

Can only be added to one Legal & General policy.
Premiums

Payable monthly, annually renewable.
Added to personal protection

Can only be added to the policy at the outset.
Can be cancelled at any time

Can be removed from the policy at any time, but can’t be reapplied, or transferred from one product to another.
Making a claim

A claim on Private Diagnostics will not impact the core policy.

Exclusions


Treatment

If your client needs treatment for any diagnosis, it will need to be carried out by the NHS or private cover your client has.
Invasive tests

Invasive tests such as biopsies will need to be carried out by the NHS or private cover your client has.
Tests not arrange by Trustedoctor

Your client will need to cover the cost of any tests not recommended or arranged through Trustedoctor.
Additional expenses

Does not include costs for travel, time off work or accommodation.
Symptoms before policy date

Your client is not covered for any primary virtual consultation where a GP or physician has referred the life insured or child to a neurosurgeon, cardiologist or oncology specialist if symptoms began before the policy start date.
Not available with

Private Diagnostics is not available with:

  • Whole of Life Protection Plan
  • Independent Critical Illness policies
  • Business protection policies

Renewals

Private Diagnostics will be renewed annually. We will also review the price annually.

We will contact your client 30 days before the renewal date to let them know if their premium or the terms and conditions of the benefit have changed.

  • When the benefit is added to the policy it will default to automatically renew the benefit from the next renewal date, even if the premium has changed, unless your client opts out of this at application stage. The client must tell us at least five days before the renewal date if they don’t want to renew Private Diagnostics.
  • Your client can cancel the automatic renewal feature at any time, by contacting us directly. If your client cancels the automatic renewal, we will still write to them 30 days before renewal, but the benefit won’t renew unless they contact us to confirm they want to keep Private Diagnostics.
  • If your client chooses not to renew, the core policy will continue without Private Diagnostics and we will recalculate the premium.
  • If a scenario arises where the core policy is due to end in less than 12 months at the renewal date, the benefit will end at the same time as your client's policy.

Your client can cancel the benefit at any time. If they do, the premium for their policy will be recalculated. The benefit cannot be reinstated later.

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