Help for making a claim - and beyond

Finding the money to pay for a funeral can be difficult. If we agree to pay a claim when someone has died, we’ll ease this worry with an advanced pay-out.

AIG will pay up to £10,000 of your claim in advance before paperwork is finalised. We can even pay this directly to a funeral company, if this is easier for you.

This service is not available for employee benefits policies.

Our Claims Support Fund is a discretionary fund which provides you with up to £300 to pay for services that support the person covered or their family in the event of a valid claim. 

This only applies to individual policies.

If you’re making a claim for life, critical illness, terminal illness, children’s critical illness, total permanent disability or total disability, we may be able to offer this additional support - even if we’re still assessing your claim.

This can be used to ease the pressure on costs such as:

 

• Travel and parking costs when visiting a hospital for treatment or appointments
• Bereavement counselling
• Mastectomy bras
• Wigs to cover hair loss after cancer treatment
• Hiring a cleaner after an operation
• Childcare costs during treatment or recovery
• Overnight stays in a hotel if the hospital isn’t nearby
• Physiotherapy
• Medical alert bracelets
• Vocational courses to help manage a condition in the workplace

There’s no limit to what the Claims Support Fund can be used for. We’re always open to hearing about the unique ways we can help you. If you could use our support, just tell us and we’ll do our best to accommodate your needs.

This fund is available in addition to your cover, and won’t be deducted from your claim payment. Please note that if we pay towards these support services, this doesn’t mean we’ll definitely approve your claim.

This service is not available for employee benefits policies.

Our partnership with Best Doctors® gives you and your family access to invaluable second opinions from medical experts, helping to get the right diagnosis, treatment and care.

Best Doctors can advise on everything from minor surgery to major health concerns, like cancer and heart disease. The service can even look at pre-existing conditions too.

You can receive this support at any time during your policy, and we even continue to give critical illness customers access to the service for three years following a claim.

You can contact Best Doctors on 0800 085 6605 to discuss your case in detail with a Best Doctors Case Manager, all of whom are medical professionals.

This service is not available for employee benefits policies.

Best Doctors is a non-contractual benefit which can be withdrawn at any time without notice.

We work with the leading UK charity Winston’s Wish to help bereaved children get the specialist support they need. Winston’s Wish offers a wide range of practical help in the UK, with your family receiving guidance from professional face-to-face support, group work, online resources, publications and a helpline if they ever need it.

If a bereaved child is affected by your claim, contact Winston’s Wish on 08088 020 021, and we may be able to offer support.

Winston’s Wish is a non-contractual benefit which can be withdrawn at any time without notice. Winston’s Wish is not available with our Whole of Life, Care Cover with Whole of Life or Business Protection products. Please contact us if you’re unsure about the benefits available to you.

If insured via a group Critical Illness policy, , you may be entitled to tailored nurse support provided by RedArc. If you are diagnosed with a critical illness, nurses will guide you through a treatment plan, help you adjust to your illness, and help you get back to work when recovered.

This service is not available for any policies other than group critical illness

For productive people, look to LifeWorks

LifeWorks is an Employee Assistance Programme that not only offers best-in-class practical and emotional support for employees, it also gives them and their employers a chance to personalise the experience. And from this familiar space they can then explore the other features it has to offer.

They can use it to access a number of face-to-face counselling sessions and a library of wellbeing articles, through either their smartphones or the web. It also offers work-life support in areas such as legal, financial, education and childcare, with the option to add-on everyday support in the form of discounts and cashback.

There are two options employers can choose from, to make sure they’re offering the best they can to help their employees stay in control of their health.

 

Option one: Core Wellbeing (free for all employees)

• Counselling and coaching services available in person, or by video, chat, direct message or telephone
• Critical incident support
• 8,000+ clinically verified and trusted articles, toolkits, podcasts and more
• Perks and savings
• Support in areas such as anxiety, depression, relationships and workplace challenges

 

Option two: Upgrade package (£48 per employee, per year)

• Employee Physical Assistance Programme (EPAP)
• Enhanced wellbeing feed
• Enhanced perks and savings
• Enhanced community

This service is not available for any policies other than Group Income Protection.

Proclaim Care are the UK’s leading independent rehabilitation provider. They specialise in devising and implementing rehabilitation programmes to help people deal with the consequences of injury and medical absence from work, returning them to health and back to work.

This service is not available for any policies other than Group Income Protection.