Liverpool Victoria introduces Healthy Steps

Liverpool Victoria has introduced a range of health management risk offers to help protection policyholders understand how they can reduce their risk of poor health and disease.

The free online health assessment and adviceservice, ‘Healthy Steps’, enhances its mimi Flexible Protection Plan and is launched in partnership with independent health services specialist, roadtohealth Ltd.

This development, which is the first of its kind in the UK protection market, gives Liverpool Victoria protection policyholders real value from the start of their cover, enabling them to understand their current health status, and take actions to improve and maintain their wellbeing. All new Life, Critical Illness, Mortgage Payment Protection or Income Protection policyholders are entitled to free membership during the term of their protection policy.

What is Healthy Steps?

Healthy Steps is an interactive online service, designed to provide Liverpool Victoria policyholders with a personalised profile of their health, including their risk of suffering from heart disease and common cancers. The e-based service gives advice on how to improve health and wellbeing, and a plan to improve or manage any risks.

As members of Healthy Steps, Liverpool Victoria policyholders will receive:

A free online health assessment, designed to provide a personalised health profile. The assessment will provide policyholders with an individual ‘Q’ score’.

A written report together with an action plan aimed at maintaining and improving health and wellbeing.

Online access to practical information about health and wellbeing issues.

Regular health-oriented advice, tips, offers and e-bulletins.

Access to discounts from a range of health and wellbeing related products and services.

The opportunity to take advantage of personal face-to-face health and lifestyle screening assessments at a privileged discounted rate.

An individual online health record.

In certain circumstances policyholders will be referred to their GP for further investigation and help. Members of Healthy Steps can also book and pay for a range of discounted health checks at one of roadtohealth’s national venues and clinics across the UK.

What is a ‘Q score’?

During the online health assessment, Liverpool Victoria policyholders will be asked a series of health and lifestyle related questions. From this, Healthy Steps will give an indication of current health status, a summary report of health risks, together with a comparison against national averages and people with the same age, gender and race. An individual Q score will also be generated.

The Q score is an easy way to visualise how healthy an individual is by placing them in a hypothetical queue of 100 people of the same age and gender. The further from the front of the queue you are, the better the result in terms of personal health. The service will then give policyholders tips and ideas to help improve their position in the queue, setting targets for improvement and giving access to a range of tangible benefits including discounted gym and health club membership.

Peace of mind and confidentiality

Healthy Steps is a completely voluntary additional service provided by roadtohealth Ltd on behalf of Liverpool Victoria, and is entirely confidential. Results do not impact upon the underwriting of Liverpool Victoria policies, either when the policy is taken out, or during the term of the policy. The policyholder’s premiums will not be affected by their health assessment at any time. No clinical data is passed to Liverpool Victoria or to any third party organisation.

Justin Harper, Head of Intermediary Marketing Strategy at Liverpool Victoria, said: “We are keen to help consumers appreciate the variety of healthy steps that can be taken to reduce the risk of poor health and disease. By launching Healthy Steps into the UK protection market we are providing real value right at the outset for our policyholders, underlining the true benefit of protection. Healthy Steps gives something that policyholders can use and work with to improve their own health, and that they’ll hopefully enjoy too.

“Through innovative product and service enhancements like this, we are working hard to develop our business and build on our success in the protection marketplace. Healthy Steps offers unique and tangible benefits to policyholders, and we will be engaging closely with advisers over the coming months to bring the service to life.”

Paul Gaudin, Group Sales & Marketing Director of roadtohealth, said: “We’re delighted to be working with Liverpool Victoria to provide the online health management service for their mimi Flexible Protection Plan policyholders. By proactively offering Healthy Steps to policyholders, Liverpool Victoria is leading by example by embracing the latest developments in technology and communications to bring product innovation, expertise and services to intermediaries and consumers.”