Does my policy include medical support services?
Many do. Protection policies often include extra services you can use at any time, such as remote GP appointments, second medical opinions, counselling, physiotherapy or nurse support. They are usually provided by a partner and are free to use. Check your welcome pack or the insurer's website for what is included and how to access it.
Who can use them
Some services cover only the policyholder. Others extend to partners and children. The details are in your policy information.
You do not need to claim
Using a support service is not a claim and does not normally affect your cover or premium.
Services can change
Insurers sometimes update what they offer. Check the current list before you need it.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026