Best Doctors

As a member, you’ll have access to more than just insurance

A lot of questions race through your mind when you’re dealing with a physical or mental health condition. But knowing exactly what you’re dealing with – and getting advice from leading specialists – can give you and your treating doctor a clear way forward.

What is Best Doctors

Best Doctors gives Vision Super members and their immediate family* free access to expert medical advice and guidance from the comfort of their own home. Best Doctors offers easy access to leading GP’s, specialists and mental health clinicians via Telehealth, helping you get the right diagnosis, treatment and information when facing a medical uncertainty. You can use Best Doctors at any time, anywhere, as often as you need for no extra cost, and it’s completely confidential.

* Family = Partner, children, parents and partner’s parents.

Best Doctor services

  1. Get a second medical opinion
    An in-depth second medical opinion of your condition by leading global specialists to help you better understand your diagnosis and treatment options.
  2. Mental Health Navigator
    If you’re feeling overwhelmed, anxious or depressed and want some help, even without a formal diagnosis, Mental Health Navigator can provide a quick and easy review of your mental health. Using Tele-health, you’re put in touch with a team of leading Australian experts – including clinical psychologists and psychiatrists. You’ll also receive ongoing support from a mental health nurse.
  3. Doctor Online
    Get your basic medical questions answered by an Australian GP via phone or email. Simply submit your questions via the Best Doctors member portal and one of their carefully selected Australian General Practitioners will provide a personal online answer within 24 hours.
  4. Find an Expert
    One call to Best Doctors and they will search our expert database and recommend two or more top-rated relevant medical specialists who are in a convenient location for you to visit.
  5. Online library
    If you just want information on an illness, injury or type of treatment, Best Doctors has a host of online tools providing unique insights and guidance on hundreds of conditions.

Visit askbestdoctors.com to register

Process

When you call Best Doctors, you’ll speak with one of their medical team who will work with you to understand your condition and what your concerns are. They’ll then collect your medical records, assign the most appropriate specialist from around the world and perform an in-depth review of your condition. You’ll then receive an easy to read expert report that outlines the expert findings on your diagnosis and treatment options.

How to get started

If you are a Vision Super member you and your family have free access to Best Doctors. You don’t need to be on claim to access the service and can use Best Doctors at anytime, anywhere, as often as you need for no extra cost. It is also completely confidential – no information is shared with Vision Super or MLC Life Insurance and using the service won’t affect the assessment of any claims. You can call Best Doctors on 1800 388 097 within Australia to register or you can register online.
  1. Visit Ask Best Doctors
  2. Click on Register.
  3. Company/Insurer type in MLC.
  4. This will bring up a box titled Company product. Type in Vision Super.
  5. Then click Go to the next step.
  6. Complete your first name, last name, gender, email, phone, create a user name and password.
  7. Once you’ve completed this process, you’ll be able to log in and navigate around the site to see what’s available.
  8. Each time you revisit the site, simply log in.

We're here to help

You might find the answer to your question in the FAQ below. If you don’t find it there, you can call our Member Services hotline on 1300 300 820.

Frequently asked questions

If you change your employer in most instances you can request, they pay your super into your Vision Super account. Simply fill in the Choice of Fund form and hand it in to your payroll officer.

If you have to go with your employers default super fund you may be able to keep your insurance benefits with us because your insurance cover with Vision Super doesn’t necessarily cease when you change employers (provided that you satisfy the terms and conditions contained within the relevant insurance policy).

We’d encourage you to talk to us before you engage a lawyer. Vision Super pays more than 85% of insurance claims, so the likelihood is your claim will be paid if you work with us directly, and you’ll end up with more of your money. Many lawyers advertise that they’ll work for you on a ‘no win, no fee’ basis, but if your claim is approved, they may take a large chunk of your payout – it can be around 30% of an entitlement. Our insurance team is here to help you through every step of the claims process, including all the paperwork, without having to get a lawyer involved and potentially losing money you need to pay for medical treatment or maintain your lifestyle.

Call us on 1300 300 820, and we will send you the required information. Your employer or legal representative may also call us to enquire on your behalf.

Yes, you can cancel your cover at any time. Any cancellation or reduction of cover will take effect from the date we receive your request or the date you specified in your request (as long as it’s after the date we receive it). If you are replacing your existing cover with an alternative cover, before cancelling we recommend that you have your replacement cover in place first. To talk to us about cancelling a policy, please call us on 1300 300 820.

If you are thinking about changing your insurance please consider seeking financial advice before making any changes to make sure it is right for you and your needs and circumstances.

 

You may be able to get cover if you have a pre-existing medical condition. You will just need to apply to remove the pre-existing condition exclusion when you join by filling in a Personal Statement. Our Insurer will review your application taking into consideration any pre-existing conditions and general health and advise if your request has been accepted.

If your application is unsuccessful,  there will be a two-year Pre-Existing Condition (PEC) exclusion on Death and TPD cover and Income Protection cover. This means that no benefit will be paid if you are totally and permanently disabled, terminally ill or die as a direct or indirect result of a pre-existing medical condition in the first two years of your insurance cover.

You can have multiple income protection policies, and there are legitimate reasons why people choose more than one product.

However, some income protection policies prevent claimants from receiving more than a certain percentage of their gross salary while off work. What that means is you could have three income protection policies that all offer payments equalling 75 per cent of your gross salary, but you wouldn’t be able to claim the full amount from all three. You would typically be limited to a combined maximum of 75 per cent across the policies.

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