MLC Best Doctors Scheme

What is MLC Best Doctors Scheme?

The Best Doctors initiative introduced by the life insurance company MLC connects policy holders with 50,000 doctors worldwide who can help with giving advice on critical illness matters to sufferers and their families. The doctors participating in the MLC Best Doctors program include leading specialists who are always at the ready to assist without clients having to take one single step outside their own homes. All medical professionals involved in the global network have previously been nominated into their positions by their peers, a system that guarantees ongoing up to date appraisals for clients in the following manner: Key Features of Best Doctors Scheme

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Provides a lump sum payment if you become totally and permanently disabled and are unable to return to work.
Provides a lump sum payment if you suffer a serious medical condition. Cover can be taken out for 40-60 medical conditions depending on the policy you choose.
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  • By reassuring patients when their symptoms don't appear to be improving with the treatment they're receiving
  • When the client has difficulty understanding the diagnosis
  • If the client feels confused, even skeptical, because of all the different information that's available regarding the illness
  • Reassurance on whether surgery is really required
  • Professional help in ascertaining the best treatment options available. Advice that's extremely helpful when the patient and his or her family are going through a stressful period and vitally important educated decisions are hard to come to terms with
  • Clarity regarding the condition the patient is suffering from.

The MLC Best Doctors scheme is particularly helpful if you feel you need a second opinion as you'll know the opinion forwarded will be the best available. It's also easy, free and will become your dedicated point of contact throughout either yours, or your family members, period of illness, through a process known as 'InterConsultation.' To avail yourself of this assistance the MLC Best Doctors will note your medical history and record your answers to any questions they may ask. However to be in the best position to be able to advise you properly they'll also need your signature on a consent form so they can access any of your personal information they feel they'll require. This information may include any of, or all, of the following:

  • Pathology results
  • Surgical reports
  • Treatment decisions
  • Imaging studies
  • Medical records

Once all these records have been collected an expert medical team in Boston USA will review your case in detail. The team includes specialists trained at Harvard University. They'll carry out the following procedure:

  • Distil the case specifics into a fully detailed clinical summary
  • Identify particular questions you feel you need further information about
  • Identify all relevant issues

MLC - Award Winning Insurance Provider

  • 2010 Winner Life Insurance Company of the Year - Australian Banking + Finance Magazine Awards

Matching Patients with Appropriate Medical Professionals

Following this thorough appraisal of the facts concerning your specific situation, MLC Best Doctors will then undertake a search throughout their network of 50,000 specialists, to locate the most appropriate professional to personally review your case. The chosen specialist will then be forwarded all the medical information that's been collected to enable him or her to conduct his or her own examination and write a report on what he or she sees as the most important issues. Before you are sent this report a professional from MLC Best Doctors will contact you to review the findings. You'll then be sent the report to take to your own doctor for further appraisal. MLC covers all the costs associated with the program and at no time are any specialists paid to be included in the network. The full cost is covered through MLC Critical Illness Insurance. None of the specialists involved in the MLC Best Doctors program are employed by MLC but are called on only to review cases in accordance to their particular expertise and medical reputation. When a specific specialist is chosen by MLC in the InterConsultation process he or she will be offered a consulting fee and no charge is ever made to the MLC policy holder. On some occasions however you may be asked to pay for the faxing or mailing of consent forms and medical information documents to MLC best Doctors in the first instance.

Previous Success of Best Doctors Program

Best Doctors has been in operation around the world for the last 20 years and is now firmly established in 30 countries and enjoys the support of 98 percent of doctors for the assistance they provide. It was founded in 1989 by doctors from the Harvard Medical School in the USA and has spread throughout the U.S. U.K and Canada along with 27 other countries. It has one specific objective and that is to connect people who are seriously ill with a network of specialists. These doctors will then be able to provide a level of certainty regarding the diagnosis and treatment of the patient as well as provide confidence and clarity regarding the illness that is often lacking. The MLC life insurance company has only recently introduced MLC Best Doctors to Australia and for this reason your local doctor might not be familiar with what the program offers. To have the scheme fully explained Best Doctors is currently forming a Medical Advisory Board based in Australia. It'll be the role of this board to educate Australian doctors of the benefits that can flow from the MLC Best Doctors program. If Best Doctors feel they need to contact your local GP they will fully explain the service at the time to avoid any miss apprehension that may otherwise occur. They will never collect your medical records from any source without your written permission to do so.

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William Eve

Will is a personal finance writer for specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.

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