LV= Doctor Services
Explained by an independent adviser
LV= Doctor Services
LV= Doctor Services is a free added-value benefit included with LV= protection policies. It gives policyholders and their families fast access to remote GP consultations, second medical opinions, mental health support and physiotherapy referrals — without needing to make a claim.
Written by Ben Tomlin, Financial Adviser · FCA No. 1038034 · Last reviewed June 2026
▶ In plain English — what is LV= Doctor Services?
When you take out an LV= protection policy, you get Doctor Services included for free. It means you can speak to a real GP by video or phone — any time of day or night — without waiting weeks for an NHS appointment. You can also get a second opinion on a diagnosis, access mental health support, and get referred for physiotherapy. None of it requires you to make a claim.
It's designed to give you practical health support when you need it most — not just when something goes seriously wrong. Think of it as a private GP in your pocket, included with your life or protection cover.
On this page
What is LV= Doctor Services?
LV= Doctor Services is an added-value benefit included with LV= protection policies at no extra cost. It provides policyholders and their immediate family with fast, convenient access to healthcare support — including remote GP consultations, second medical opinions, mental health support and physiotherapy referrals.
The service is designed to complement NHS care by giving policyholders quicker access to medical advice when they need it. Remote GP appointments are available 24 hours a day, 7 days a week — by video or phone — so you don't have to wait weeks for a routine appointment.
As an independent, whole-of-market firm, That's Family Finance can advise on LV= protection policies alongside all other providers — so you get an honest view of whether LV= is the right fit for your circumstances.
GP access
24/7 by video or phone
Claim required?
No — use any time
Who is covered?
Policyholder & family at same address
Extra cost?
Included free
What's included in LV= Doctor Services
All services are available to the policyholder and their immediate family living at the same address.
Remote GP consultations
Speak to a qualified GP by video or phone, 24 hours a day, 7 days a week. No waiting room, no appointment backlog — get medical advice when you need it, from wherever you are.
Second medical opinion
If you've received a diagnosis and want reassurance or an alternative view, LV= Doctor Services can arrange a second opinion from a specialist consultant — helping you make informed decisions about your treatment.
Mental health support
Access to mental health consultations and support, including the ability to speak to a mental health professional. Designed to help policyholders address concerns early before they escalate.
Physiotherapy referrals
Remote physiotherapy consultations and referrals for musculoskeletal issues such as back pain, joint problems and sports injuries — without needing a GP referral first.
Prescription services
Where clinically appropriate, GPs can issue private prescriptions following a remote consultation, which can be sent to a pharmacy of your choice.
How to access LV= Doctor Services
Step one
Take out an LV= protection policy
Doctor Services is included automatically with eligible LV= life and protection policies
Step two
Register via the LV= member portal
Once your policy is active, register online or via the LV= app to activate your Doctor Services access
Step three
Book a consultation any time
Use the app or portal to book a remote GP, mental health or physiotherapy consultation — 24/7
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Get Independent Protection Advice
Not sure which policy or benefit is right for you? Send us an enquiry for an honest, whole-of-market view.
Independent advice, available across the UK
That's Family Finance provides independent protection advice to families and individuals across England, Scotland, Wales and Northern Ireland. Whether you're in London, Manchester, Birmingham, Leeds, Bristol, Sheffield, Edinburgh, Cardiff, Essex or anywhere in between, we work with you remotely or in person to find the right cover for your circumstances.
We advise on LV= alongside all other major protection providers including Royal London, Legal & General, Aviva, Zurich and Vitality.
We are not LV=. That's Family Finance is an independent, FCA-regulated firm (No. 1038034) that can advise on LV= and many other providers — and we'll always tell you honestly which one suits you best.
Want to know if LV= is right for you?
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Common questions
Questions we're asked about LV= Doctor Services.
What is LV= Doctor Services?
LV= Doctor Services is a free added-value benefit included with LV= protection policies, providing remote GP access, second medical opinions, mental health support and physiotherapy referrals.
Do I need to make a claim to use LV= Doctor Services?
No. LV= Doctor Services is available to use at any time, whether or not you make a claim on your policy.
Who can use LV= Doctor Services?
The policyholder and their immediate family members living at the same address can access LV= Doctor Services.
How do I access LV= Doctor Services?
LV= Doctor Services is accessed via the LV= member portal or app. Once your policy is active, you will receive details on how to register and book consultations.
Is LV= Doctor Services available 24/7?
Remote GP consultations through LV= Doctor Services are available 24 hours a day, 7 days a week.
Does LV= Doctor Services cost extra?
No. LV= Doctor Services is included at no extra cost with eligible LV= protection policies.
LV= Doctor Services is an added-value benefit and is not part of the core insurance contract. It is provided by third parties and may be amended or withdrawn by LV= at any time. Always refer to LV='s own policy documentation for the most current details of the service, including eligibility and any limitations.
We are not LV=. That's Family Finance is an independent, FCA-regulated firm (No. 1038034). This page contains information about LV= Doctor Services based on LV='s published materials at the time of writing. Always refer to LV='s own documentation for the most current details.