If you have a medical condition and want to ensure you’re on the right treatment plan, or you’re keen to understand more about your condition and options, you can use the Expert Medical Opinion service through Vivo.
Expert Medical Opinion, provided by mlcoa, is available at no additional cost to MLC Life Insurance customers. mlcoa is part of the MedHealth Group of companies and the largest provider of Independent Medical Opinions in Australia.
The service matches an independent specialist to your condition. The specialist can respond to your questions or concerns, including advice on your diagnosis and treatment plan.
The specialist will provide you with a report written in a way you’ll understand. They may even call you to talk about your condition if you’re happy for this to occur.
The expert’s opinion is confidential. It is not shared with us as your insurer, and will only be sent to your treating doctor with your consent.
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Expert Medical Opinion
Expert Medical Opinion is available to all current MLC Life Insurance policy holders and their immediate family members. It is also available to employees of some corporate partners and super fund members and their immediate families. Additionally, financial advisers who have a partnership with MLC Life Insurance and staff of their practices can also access our service. We’ll confirm your eligibility when you submit an enquiry for an Expert Medical Opinion with the Vivo wellbeing team.
You’ll receive an in-depth call from an mlcoa concierge within two business days of your initial request to help you understand the process and answer any questions you have. If you decide to proceed, you should have your Expert Medical Opinion within two to three weeks.
Expert Medical Opinion can help if you want to better understand your condition and options after an initial diagnosis or treatment recommendation from your treating doctor.
What to expect
Everyone has individual needs when it comes to health, wellness and recovery. That’s why we take the time to understand your needs and goals before getting you started with the right care and support services.
If you've got a question, view our FAQs first - you may find your answer there.
Need emergency assistance?
If you are in an emergency situation or need immediate assistance, contact emergency services on 000.
If you need to speak to someone urgently, call Lifeline 13 11 14 or Suicide Call Back Service 1300 659 467.