Medical Care

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(No Transcript)
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What are the financial implications of a serious
illness?

• Medical Care
• Medicare gap
• Uncovered expenses (travel, accommodation, non
  PBD medicines)
• Experimental drugs or treatments
• Economic Impact
• Lost income
• Additional household expenses
• Everyday expenses
• Unmet financial goals
• Rehabilitation
• Specialist help
• Remedial therapy
• Home remodelling
• Adaptive equipment

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After diagnosis of a serious illness what
emotions are you likely to go through?

• Denial
• Bargaining
• Anger
• Depression
• Hope

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What do you do next

• Seek a second opinion?
• Who do you speak to?
• How will you find them?
• Where are they?

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Who do you speak to?

• Will they provide more certainty?
• One in six NHS patients 'misdiagnosed.
• The Daily Telegraph, March 21st March, 2009
• Misdiagnosis occurs in 15 to 20 percent of
  casesand it is estimated in half of these,
  serious harm occurs.
• Dr. Jerome Groopman, Author of How Doctors
  Think, The Boston Globe, March 19th, 2007
• A systematic review of reports from 1996 to 2002
  found autopsies detected, on average, 23.5 of
  clinically missed diagnoses involving the
  principal or underlying cause of death, and 9 of
  errors that would or could have affected the
  patients outcome.
• Source MJA 2004 180 281285

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How will you find them?

• 35 of people would turn to the internet for
  health related information. But a simple Google
  search can turn into an information avalanche
• Cancer 189,000,000 results
• Stroke 56,500,000
• Heart attack 48,700,000
• Coronary 14,900,000
• Muscular Dystrophy 2,740,000
• Type in Best doctor on cancer in Australia and
  you still get over 16m results!

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Where are they?

• Would it be great if you could access the best
• in your region
• in your state
• in Australia
• in the WORLD!
• Now you can with MLC, through the exclusive
  introduction of Best Doctors to Australia

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Who are Best Doctors?

• Founded in 1989 by Harvard Medical School
  Professors
• 20 years Operational Experience
• 160 employees in 10 countries
• Global database of over 50,000 doctors
• 300 corporate clients covering more than
  15million customers in 30 countries

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What do they do?

• Connects you and your treating doctor to the
  best specialist(s) in the world for your
  specific condition.
• The leading specialist gives you the certainty
  and comfort by answering the two key questions
• Is the diagnosis correct?
• What are the best treatment options?
• Whats going to happen to me and my family?

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What makes these specialists the best?

• Leading medical specialists all over the world
  are asked
• If you or a family member need a doctor in your
  speciality, who would you refer them to?
• The result the best of the best

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What are the financial implications of a serious
illness?

• Over 50,000, peer nominated, leading specialists
  world-wide
• Top 3-5 of doctors in any country
• 40 specialities, covering over 400 subspecialties
  
• Doctors are re-polled every two years and ongoing
  quality assessment
• This is the only service like this in Australia!

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How does it work?
CONNECT Client calls Best Doctors Call Centre
INVESTIGATE Best Doctors collects and reviews
medical records ANSWER Report delivered to
client (direct interaction with doctor, as
appropriate)
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Who can access the Best Doctors service?

• All new MLC Critical Illness Insurance clients
• All existing MLC Critical Illness Insurance
  clients In line with the MLC upgrade philosophy
• Life Insured, spouse and dependent children

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Real life stories

• Alexis
• Alexis was born with severe cardiac defects. By
  six weeks she had developed signs of respiratory
  distress, congestive heart failure, poor oral
  intake and failure to thrive. The family was told
  there was nothing that could be done, and Alexis
  would soon die.
• Hospice care, high doses of morphine and cardiac
  medications were started. To Alexis parents it
  seemed as if all their options had been exhausted
  until Alexis mother called Best Doctors.
• The Best Doctors team connected Alexis and her
  treating physician with one of the worlds top
  Paediatric Cardiac Surgeons, chosen from the Best
  Doctors global network of 50,000 specialists.
• The Best Doctors expert offered a pioneering
  surgery he had developed that would not only save
  Alexis life, but also offer her full
  life-expectancy.
• A few weeks later, the Best Doctors expert
  successfully completed the complex
• surgery. Alexis heart now works perfectly and
  shell live a normal life.
• Our baby is alive, her little heart is fixed.
  Alexis is playing with her older
• brother, laughing and has no more pain. Our
  family is overwhelmed
• with joy. Thank you, thank you Best Doctors.

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Real life stories

• Mary
• Mary was 33 and had completely lost her sight
  over a period of months. She was diagnosed with
  an aggressive brain tumour requiring emergency
  open head surgery a procedure both dangerous and
  disfiguring.
• The location of the tumour required the optic
  nerve to be cut and permanent blindness would
  result. She turned to Best Doctors in the hope
  they could find an alternative treatment.
• Best Doctors discovered she did not have a
  life-threatening tumour rather she had
  sarcoidosis, a treatable inflammatory condition.
• For final determination and expert advice on
  treatment, the assessment was forwarded to a
  Rheumatologist, from the Best Doctors global
  network, who confirmed sarcoidosis. The
  Rheumatologist immediately phoned the members
  surgeon and recommended cancelling the operation.
• Marys surgeon was sceptical, but at the
  insistence of the specialist, agreed to delay the
  operation for 48 hours. During this time,
  anti-inflammatory drugs were administered and the
  change was dramatic her
  eyesight began to return almost immediately.
• Today, Mary is healthy and active with full
  eyesight and thankful for
• the services of Best Doctors.

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Best Doctors Australian Medical Advisory Board
Professor Martin TATTERSALL, MA, MD, MSc, FRCP,
FRACP Leading cancer specialist
Dr. James MAY, AC Leading cardiologist
Dr John ALOIZOS, AM, MBBS, FRACGP, FAICD Leading
GP
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Why people ask for Best Doctors help?
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What are the results?

• Leveraging the leading specialists
• 22 of cases result in a changed diagnosis
• 61 of cases result in a change in the course
  of treatment
• No doctor can be the best in all fields

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The best of both worlds
20 years ago Dr. Marius Barnard
stated Medical science can save lives, but it
can't salvage lost bank balances. In other words,
we'll keep you alive, but we won't provide the
money to support you. At MLC we believe that
saving your life shouldnt cost you your life
savings!
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The MLC advantage
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The best of both worlds

• Nothing can make a health crisis easy
• but MLC can easy the way to recovery
• Choice
• Empowerment
• Ultimate peace of mind