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Protection for Life: Life Cover

  1. Overview
  2. In detail
  3. Cover options
  4. Best Doctors
  5. FAQs
  6. Apply
  7. Get a quote
  8. How to claim

A second opinion for you and your loved ones from Best Doctors

Best Doctors® is an independent service which gives you additional advice and information if you’re diagnosed with a serious medical condition. It gives you and your immediate family the opportunity to seek a second opinion from a top medical expert, at a time when you need answers most.

Regardless of the type of cover you have taken out, access to the Best Doctors service is automatically included with all Scottish Widows Protection for Life policies taken out after 28 June 2010, at no additional cost. 

Best Doctors is also completely independent of our claims process and there’s no limit on the number of times the service can be used.  Any information shared with Best Doctors will be dealt with in confidence.

The knowledge and experience of leading medical specialists

Best Doctors puts you and your family in touch with a leading expert from a unique database of over 53,000 doctors selected by their peers as the best in their field. So you’ll have the peace of mind that comes with knowing that the doctor who is reviewing your case is considered to be one of the best in their field, and specialises in your condition.

A worldwide network of expertise

Even the most skilled medical practitioners, doctors and surgeons welcome the opportunity to consult expert colleagues around the world. And Best Doctors makes it easy for you and your doctor to benefit from their knowledge.

Put yourself at ease

With the InterConsultation™ service, Best Doctors will gather all your relevant medical information and send it to the medical expert who is chosen to review your case. The specialist will then provide a complete medical report covering your diagnosis and letting you know all the treatment options available to you. You and your doctor can then decide how to use the information.

How the Best Doctors service works

Step 1

Call Best Doctors free on 0800 085 6605.

Step 2

24 Hours Best Doctors will appoint a dedicated case coordinator to coordinate everything for you and collect all your relevant medical information from your doctor. There’s no need for a face-to-face consultation, as all of the relevant case notes will be provided to the Best Doctors team.

Step 3

The Best Doctors team will then contact the relevant expert to review your diagnosis and provide you with information on the appropriate treatment options available to you.

Step 4

Your case coordinator will keep you updated of the progress of your review throughout the process. Your personalised report is then produced and sent to you. You are free to share the report with your treating doctor. The Best Doctors team will review it with you in detail by telephone, answering any questions you and your doctor may have.

Ask the Expert service

If you would like more information about a diagnosis or condition, the Ask the Expert service provides quick and easy access to one of the specialists in the Best Doctors exclusive database.

Using the service is simple and there’s no need for you to provide any medical records. Best Doctors gather the relevant information from you and if the case is appropriate* they will refer your questions to the relevant specialist who will provide a comprehensive, customised report with their answers and recommendations for treatment options.

*Best Doctors will assess the case and refer to the InterConsultation service if they feel it would be more appropriate.

Important information

Best Doctors is an independent organisation and the services it offers do not form part of the contractual benefits of any element of the Protection for Life plan. Best Doctors is available to the life/lives assured and their immediate family (spouse, partner and dependant children including step and adopted children). Access to the Best Doctors service is open to any eligible member with conditions ranging from migraines or eczema to heart disease and any condition that seriously effects the quality of life.

If a condition is eligible for the Best Doctors service, it does not necessarily mean that you are able to claim under the Protection for Life policy provisions. Please see your Protection for Life policy provisions for a detailed explanation of the claims criteria.

Best Doctors provides an information service only. It is not an insurance product. The service can be withdrawn at any time.

Best Doctors, the star-in-cross logo and InterConsultation are trademarks or registered trademarks of Best Doctors, Inc. in the United States and other countries. Used with permission.

The information provided by the Best Doctors service is confidential. When you deal with Best Doctors, Scottish Widows will not have access to the information you provide them.

Life Cover FAQs