Amidst the persistent challenges faced by the NHS, with demand for hospital treatment outstripping capacity way before the pandemic, the struggle for access to timely medical care continues. Presently, despite the best efforts of those dealing directly with the challenges, the situation does not seem to be improving, with significant backlogs and a huge number of patients waiting for treatment. As of the latest update on February 8th, 2024, the British Medical Association (BMA) reports that the NHS is grappling with an extraordinary number of patients waiting for treatment, reaching approximately 6.37 million people. Alarming statistics reveal that around 3.30 million patients have been waiting over 18 weeks, with an astonishing 337,000 people enduring waits of over a year for essential treatment.

Changes to cancer waiting time standards from October 1, 2023, aimed at improving care, have not yielded the expected results, and services continue to operate below operational standards. The pressures on hospitals have led to a surge in unsuccessful GP referrals to consultant-led outpatient services, further straining the healthcare system. With declining GP numbers, rising demand, and difficulties in recruiting and retaining staff, the burden on local GP services has intensified.

In response to the mounting pressure on the healthcare system, we urge our customers to explore the additional benefits offered by their life insurance providers beyond conventional financial protection. Protection insurance providers, who have designed their policies to provide coverage in the event of serious illness or death, now extend their offer to customers beyond financial compensation. Providing a range of complimentary services, crucial in times when traditional healthcare access is exceptionally challenging.

Here's a snapshot of the extra support provided by leading UK insurers:

1. Aviva: DigiCare+ is a smartphone app providing Aviva protection policyholders with tools for health and wellbeing. The app connects users with clinicians, nutritionists, and therapists, and includes a 24-hour helpline.
2. Legal & General: Partnered with RedArc Assured Limited, they offer a wellbeing support service to policyholders, their partners, and children. Registered nurses provide phone-based support services without the need to make a claim.
3. LV=: LV=Doctor Services gives you and your spouse/partner access to six expert medical services in one handy app or by simply calling Square Health. This service includes 24/7 Remote GP – unlimited consultations with a UK doctor to talk through any health or medical concerns by video or phone consultation. Plus, remote psychological services where you can get access to mental health support from a network of highly trained therapists.
4. Royal London: Customers gain access to Helping Hand support services, offering 24/7 virtual GP consultations and tailored support for serious physical or mental illnesses, injuries, or bereavement.

Most insurers provide additional support for their customers, often extended to partners and children. It's worthwhile to explore the extra support, which is often available even without making a claim.

In conclusion, consulting a healthcare professional promptly is crucial for addressing health concerns. If traditional channels prove challenging, insurers can offer vital support. If you have life insurance or critical illness cover, investigate the additional benefits provided by your insurer beyond claim payouts. Essential Insurance customers unsure of their access can contact us at 0800 612 8005 for more information. As we face unprecedented challenges in healthcare, your life insurance could be the lifeline you need.