Best Doctors

Should you face a mental or physical condition, there are so many questions and uncertainties, such as - is my diagnosis correct? Or, am I on the right treatment plan?

Best Doctors family

A valuable medical second opinion for you and your family

Through MLC Life Insurance, you and your family can access Best Doctors – a service which connects you with a network of more than 50,000 leading medical specialists from Australia and around the world for a second medical opinion when you need it most, helping to ensure you have the right diagnosis and treatment plan. 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.

If you or a family member is dealing with a mental or physical health condition, an ailment, injury or a chronic or serious condition, you can use Best Doctors at no extra cost to help get answers


MLC Life Insurance was the winner of the Strategic Insights Overall Health & Wellness Life Insurance Award for 2018 and 2019. MLC Life Insurance was recognised for our innovative programmes that beneficially impact on the health and wellness of our customers.



no extra costNo extra cost


completely confidential

Completely confidential and won't affect the assessment of a claim


dont need to be on claimDon't need to be on a claim to use the service


more valueMore value from your insurance


  • Key features
    • Available to you and your family*(your children, parents, partner and partner’s parents).
    • Convenient virtual access to leading specialists for a second medical opinion.
    • Leaders in their medical field nominated by other doctors.
    • Expertise and knowledge of an independent specialist helps you and your treating doctors agree on the best way forward.
    • Support for mental health conditions with access to leading Australian clinical psychologists and psychiatrists and a dedicated mental health nurse. You must be 18 years of age or over to use the Mental Health Navigator service.
    • You don’t have to be seriously ill - you can use the service for a wide range of conditions – such as a bad back, allergies or a mild mental health condition.
    • Help with a wide range of conditions (excluding acute i.e. emergency services and dental conditions) from minor to major with specialists in over 450 areas of medicine.
  • How to access Best Doctors
    Simply contact Best Doctors and they’ll do the rest. You'll speak to a member of their team who will establish how they can best help based on your situation.
    Call Best Doctors on 1800 186 088 between 9am and 5pm (Melbourne/Sydney time), Monday to Friday. Or register online.
  • Mental Health Navigator by Best Doctors
    Mental Health Navigator is a service that empowers and supports you with a clinical review of your diagnosis and treatment plan from a network of leading Australian clinical psychologists and psychiatrists, all from the comfort of your own home. It offers a discreet, quick and confidential way to seek help if you or a family* member is experiencing a mental health condition such as depression or anxiety.
  • Who has access to Best Doctors

    Access to Best Doctors is available to all customers of MLC Life Insurance who are insured under a policy or hold an investment policy. This includes insurances held through group policies with an employer or super fund.

    Best Doctors is also available to immediate family members of MLC Life Insurance customers, including children, parents, partner and partner’s parents.

Customer stories

Discover how Best Doctors has been helping our customers, and their families, find help and guidance when they need it most.

Services offered through Best Doctors

In-depth medical review

Best Doctors will provide a full review and analysis of your specific condition.

Best Doctors will collect your medical records, identify key questions and, if appropriate, request a retest of your pathology results. The Best Doctors medical team will select one of their leading specialists to complete an in-depth medical review. You’ll receive a comprehensive report that analyses your diagnosis and details treatment options.

15 to 20 business days (after collecting medical records).
Mental Health Navigator
A full review and second opinion on your diagnosis and treatment plan for mental health conditions from leading Australian-based clinical psychologists and psychiatrists and support from a dedicated mental health nurse.
Doc online

Get answers to general medical questions from a panel of registered doctors in Australia.

Visit to register.

Find an expert

Best Doctors will find you a local expert for your condition.

Best Doctors will search its network of Australian doctors to help you locate the right practitioner, for your condition, in your local area.

Within 48 hours.

Ask an expert

Best Doctors will provide you with a leading specialist to give answers to specific questions about a medical condition.

A Best Doctors nurse will discuss your condition with you, collect your basic health history and help you identify key questions. Your medical info and questions are then sent to a leading specialist in the field, selected from the Best Doctors network of experts, who’ll provide detailed answers to your questions.

5 to 7 business days.

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 to register.

Request a call back from Best Doctors

If you have access to Best Doctors and would like them to contact you, please enter your details below.

Your details and use of Best Doctors are confidential and no information will be shared with MLC Life Insurance.

Frequently asked questions 

If you still have questions about Best Doctors view the Best Doctors FAQs.

Important information

*Best Doctors is available to MLC Life Insurance customers as well as their immediate families including children, parents, partner and partner’s parents. For mental health, it is only available if you are 18 years of age or over.

Best Doctors and MLC Limited do not pay the costs for medical treatment, travel, accommodation and any other associated costs.

Best Doctors® isn’t insurance (including health insurance) and it doesn’t replace your relationship with your current doctor or medical specialist. MLC Limited reserves the right to withdraw the service at any time or to change the terms on which the service is provided to customers. If your insurance is held within the MLC Super Fund, the Trustee also reserves the right to withdraw the service at any time.

MLC Limited ABN 90 000 000 402 AFSL 230694 (the Insurer) uses the MLC brand under licence. MLC Limited is part of the Nippon Life Insurance Group and not a part of the NAB Group of Companies. Any references to ‘we’, ‘us’ and ‘our’ means MLC Limited.