LV= extends Second Opinion service to all protection policyholders when they make a claim

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LV= extends Second Opinion service to all protection policyholders when they make a claim


LV= is today announcing it has extended its Second Opinion service by offering it to everyone who makes a claim on their LV= personal protection or business protection policy. Claimants or their dependants will now be offered the opportunity to speak to an expert from one of the UK’s biggest networks of medical professionals through LV=’s partner Square Health.

Claimants who opt to use the Second Opinion service will then be matched with a UK-based consultant best placed to offer advice and review their diagnosis.


After an investigation and a review of the claimant’s medical records the consultant will provide a report and offer a follow-up appointment, either face-to-face, via video or over the phone, to help with any unanswered questions about the condition or the treatment options.


The LV= Second Opinion service covers all medical conditions, including cancer, heart and cardiovascular, stroke and mental health issues. Claimants do not have pay a fee, or contribute towards the cost of the consultation and a follow-up appointment if it is needed.

We believe that protection should play a far wider role in supporting people, beyond the core financial insurance benefit.

Our experience tells us that when a policyholder is given a potentially life-changing diagnosis the resultant whirlwind of emotions can lead to confusion and upset. The newly-extended Second Opinion service makes practical guidance, reassurance and emotional support available to all our members when they need to make a claim.

Through Square Health’s broad network of UK-based medical professionals the service provides confidential, compassionate, and most importantly, swift support at what can be a difficult time when a condition is diagnosed.
Chris McNab, Protection Proposition Director at LV=, said:
Our approach to providing the Second Opinion service means that LV= policyholders have access to our UK network of over 5,000 medical consultants. People who have benefited from this service in the past tell us that the face-to-face approach gives them real reassurance around their diagnosis and treatment plan.
Dr Bippon Vinayak, CEO of Square Health, said:
The Second Opinion service is part of LV= Doctor Services which, through Square Health, also offers psychological and bereavement support to immediate family members in the event of a policyholder’s death, or diagnosis of a terminal illness.

About LV= Second Opinion service

Available via the LV= Doctor Services app, the LV= Second Opinion service is there to review a diagnosis, help clarify any unanswered questions and to help clients understand the treatment options available.

LV= Doctor Services and LV= Member Benefits

LV= Doctor Services was initially launched in June 2017 and has developed to include remote physiotherapy, access to remote psychological experts and a 25% discount on Health MOTs.

LV= Doctor Services and LV= Member Benefits are provided by third party companies. These services are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. LV= Doctors Services is provided by Square Health Limited. This is a non-contractual benefit and can be removed or changed at any time.

About LV=:

LV= is a leading financial mutual and serves over 5.8 million customers with a range of financial products. When we started in 1843 our goal was to give financial security to more than just a privileged few and for many decades we were most commonly associated with providing a method of saving to people of modest means. Today we follow a similar purpose, helping people to protect and provide for the things they love, although on a much larger scale and through a wide range of financial services including insurance, investment and retirement products. We offer our services direct to consumers, as well as through IFAs and brokers.

LV= and Liverpool Victoria are trademarks of Liverpool Victoria Friendly Society Limited (LVFS) and trading styles of the LV= Group of Companies. LVFS is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered number 110035. LVFS is the ISA Manager. Registered address: County Gates, Bournemouth BH1 2NF.

About Square Health:

Square Health was founded by the team behind the Doctors Chambers group of companies, and was set up to provide holistic medical, technological and claims-related solutions for corporates and individuals.

The business is the result of over 20 years of experience within the healthcare sector. Our founders are doctors who also have a deep understanding of the complex requirements of the insurance industry.


We have an established infrastructure with access to over 5,000 medical specialists across the UK, 250 staff spread between our Windsor and Newcastle offices and a software development team of over 30.


Expanding on the clinical heritage of the group, Square Health offers an extensive range of medical services, including but not limited to: medical screening, 2nd opinion services, health MOTs, appointment booking services, virtual and face-to-face GP consultations, specialist referrals, physiotherapy sessions, counselling and dietician appointments— all of which can be arranged in short timescales and are supported via bespoke cutting edge app technology and software solutions.