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What your group insurance usually includes

Many group insurance policies come with services staff never hear about: a virtual GP, counselling, physio, second medical opinions. Tell ChatGPT who your schemes are with and the Hidden Value Finder lists what they usually include.

What you can ask

"We have group income protection with Aviva and private medical insurance with Bupa. What do our staff get that they don't know about?"

19 services these schemes usually include, among them bereavement counselling, an employee assistance programme, a manager assist line, mental health consultations, a virtual GP and physiotherapy, each with a link to the insurer's own page.

"Our group life is with an insurer you haven't covered."

It says the insurer is not in its research yet and suggests asking your insurer or adviser. It never guesses.

How it works

  • It draws on our own research into what UK group schemes usually include, from 18 insurers: Aviva, AIG Life, AXA Health, Bupa, Canada Life, Freedom Health Insurance, Health Assured, Health Shield, Legal & General, Medicash, MetLife, Paycare, Simplyhealth, Unum, Vitality, Westfield Health, WPA and Zurich.
  • Every service links to the insurer's own page. The research was last checked against those pages in August 2026, and anything checked more than 12 months ago drops out.
  • It says what schemes usually or sometimes include. What your own scheme includes depends on your policy and can change at renewal, so check your policy documents or ask your insurer or adviser.

Read more about group income protection and private medical insurance.

Questions

Is the Hidden Value Finder free?

Yes. It is free to use inside ChatGPT and needs no account.

Which insurers does it cover?

18 UK insurers and providers, including Aviva, Legal & General, Zurich, Canada Life, Unum, MetLife, Bupa, AXA Health, Vitality, Simplyhealth and Health Assured.

Does it say what my policy includes?

No. It says what schemes like yours usually include, with the insurer's own page for each service. Your policy documents, insurer or adviser can confirm what yours includes.

Does it compare insurers?

No. It lists what each scheme usually includes. It does not rank insurers or recommend cover.