Results from HSBC Life( UK) show that the Online Health Services are a convenient way to access medical treatment, being available 24 hours a day, seven days a week. The most popular benefits are Health Check closely followed by Digital GP, Remote Physiotherapy and Mental Health Support.
How can advisers enhance customer understanding?
The adviser’ s role is evolving, and your guidance is absolutely pivotal in clients’ understanding of critical illness cover – which is currently very low.
Without the context behind what a customer will use the proceeds of a claim for, their premium is just a direct debit. But with the right conversation, that direct debit becomes, for example, the funds that can be used to ensure a family can stay in their home if the policyholder is unable to work due to illness. Or, the funds that can be used if a parent needs to take time out and support a sick child. So, those detailed conversations need to be happening.
Making sure your customer is aware of what valueadded services are available is also important, as these are great touchpoints to have with them. You can diarise to contact your customer six months or 12 months after you ' ve set their policy up and ask them if they’ ve used their value-added benefits or had their annual Health Check.
It ' s a really good way to keep in touch with your customers and make sure they remain your customers and don’ t go elsewhere.
If you have any questions please get in touch with our Protection Adviser Support Team on 0345 587 3877 or email protectionteam @ hsbc. com.
Sources:
1 https:// www. cancerresearchuk. org / health-professional / cancer-statistics / statistics-by-cancer-type / breast-cancer
2
This is a non-contractual benefit, the services provided are not part of the insurance cover your client’ s policies provide. While HSBC Life has the right to change or remove these additional health services at any time, such a decision will not affect your client’ s insurance cover with HSBC Life in any way.
HSBC Life( UK) Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England( United Kingdom) number 00088695. Registered Office: 8 Canada Square, London E14 5HQ. Our Financial Services Register number is 133435. HSBC Life( UK) Limited is a member of the Association of British Insurers.
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