Expert Medical Opinion

What is Expert Medical Opinion?

Expert Medical Opinion is a value added service that provides second medical opinion from medical experts in various areas of specialisation. This service is to assist you to learn more about your medical conditions and make an informed decision on your treatment plans.

This service is provided to the Life Assured of PRUvalue med on a complimentary basis.

What is is a Medical Consultation and Second Opinion leader providing second opinion consultation service in all areas of medicine, including radiology. Utilizing the power of the internet, we are connecting patients around the globe with some of the world's best doctors. Studies have shown obtaining a second opinion decreases medical errors, saves lives, and keeps healthcare costs down by preventing unnecessary surgeries and procedures. Expert Medical Opinion also give patients the peace of mind they need and deserve.

Getting a second opinion could change your diagnosis, your treatment and your health outcomes. A diagnosis can be life-changing, and a prescribed treatment regimen can be expensive and invasive. Whether your medical condition is potentially life-threatening or far less serious, a second opinion can reassure you are following the best route toward health and can offer peace of mind.


“According to studies, 30 percent of patients who sought second opinions for elective surgery and 18 percent of patients whose insurance company required them to seek a second opinion found that the two opinions were not in agreement.”

“A 2006 study found that when breast cancer patients came to a specialty center for a second opinion, recommendations for surgery changed for more than half, as a result of different interpretations and readings of mammograms and biopsy results."

“Studies show as much as 20% of patients seek second medical opinions; in specialties such as oncology, the rate is more than 50%. And recent research has found that second opinions often result in different diagnoses or treatments.”

“Researchers reviewed 6,791 second opinions; there were changes in diagnosis 14.8% of the time and changes in treatment 37.4% of the time. About 60% of the patients ended up following the recommendations from the second opinion, according to the study, published in April in the American Journal of Medicine”

“On Monday Oct. 10, 2005 Health Day News reported ‘Upwards of 12 percent of US cancer patients are initially misdiagnosed which has lead to repeat testing, treatment delays increased health-care costs and patient anxiety.”

“Another retrospective study conducted by the University Of Pennsylvania School Of Medicine found that in a study of nearly 24,000 cases in 4 different sites, the errors ranged from 4.9 to 11.8% of all cases reviewed (Oct. 2005). Reviewers noted that no harmful consequences were noted 55% of the time but also that 39% experienced harm of some kind. Over all, 128,000 Americans have to deal with some kind of error-related harm.”

Why should I use Expert Medical Opinion?

Be in charge of your medical care

As a patient, you have an important say in who provides your health care and where you receive it. Our mission at is to maximize the quality of patient care by providing you with important resources to make the most informed decisions. gives you the information and confidence you need to help you and your physician make the best treatment decisions, without the delays, expense and inconvenience traditionally associated with such requests. Our physicians are world renowned experts in their respective medical areas. In case of radiology, most patients do not know who their radiologist is and are not able to directly communicate with her or him. We changed these rules! Obtaining a second opinion and discussing your case with a radiologist or another physician can be critical in providing the correct diagnosis, which can mean life or death.

For the Peace of Mind

Medical mistakes do happen. While most doctors are competent, there are some who provide less than optimal service. Additionally physicians, like all human beings make mistakes. Finally, physician’s skills, training and opinions vary widely, for example did you know that most radiological interpretations are done by general radiologists? Radiology and the rest of medicine has become an extremely complex specialty and usually one doctor cannot be an expert in all areas. This is why it is sometimes critical to obtain a second medical opinion from a subspecialist. Unfortunately, misdiagnosis or delayed diagnosis does happen. Please take charge of your health and your well-being.  

Increased medical complexity

The medical and especially imaging industry knowledge base has been dramatically expanded with the advent of such technologies as MRI, multidetector-row CT (MDCT), PET/CT, and many new treatment options and surgeries. Keeping up with the latest advancements is becoming a challenge for all doctors. No one can be an expert in everything, so medical subspecialists have evolved.

Get a different perspective

Medical doctors have different personalities, different experiences and different training. Some physicians are more conservative and others are more aggressive. It might be a good idea to get a different perspective. Get a second opinion for your peace of mind!

When should you consider getting an Expert Medical Opinion?

1.When you require assurance on your health status

Patients across the world are misdiagnosed every year, half of these diagnostic errors can be harmful. There is a good chance that your doctor can make mistakes too. If you don’t feel confident about your doctor’s diagnosis, getting a second opinion can be invaluable.  

2.When your doctor recommends a serious but non-emergency surgery.

Significant risks come with major surgery. If the surgery your doctor is recommending is not an emergency, you should have time to seek a second opinion. Major operations such as heart bypass surgeries, hysterectomies and tumor removals are often performed when alternatives may be available and even preferable. Anxiety surrounding these surgeries can be high and talking with another doctor about the recommended procedure can put your mind at rest.

3.When you don’t feel like you are being heard.

Doctors spend about 20 minutes in the exam room with each patient and often a patient will not be able to speak their mind under rushed conditions. An accurate diagnosis depends on you being able to communicate your health history, symptoms and concerns. When your doctor doesn’t take time to hear these things, he/she may miss some crucial information.

What are the Coverable Conditions?

Under Complimentary Expert Medical Opinion exclusively for PRUvalue med's Life Assureds.

Life Assured of PRUvalue med is entitled to utilize this service for 1 covered condition as stated above, per calendar year. Other radiology and second opinion consultation services are available for a discounted fee not covered by Prudential.

Any out-of-scope services (e.g. tele/video-consultation, Radiology only, report translation, acute care, simple low acuity conditions etc), cost to be borne by the Assured.

How do I sign up or activate my account?

Just follow the steps in Get Started.

When can I start using this service?

You can start using Expert Medical Opinion service now if you already have a diagnosis that you would like to seek second opinion on.

How much does it cost?

Getting started is totally free. If you’re receiving this service as part of PRUvalue med's value added benefit, you may not be required to pay at all.

Who are the doctors providing consultations?

Your medical file will be reviewed by expert physician team affiliated with one of the leading US Hospitals, such as Rothman Institute of Orthopedics, Johns Hopkins and Cleveland Clinic, among many others. The atmosphere in Centers Of Excellence (COE) hospitals provides an interdisciplinary approach to diagnosis and treatment. With the presence of multiple specialists, both surgical and nonsurgical solutions to patients problems may be explored.

While COE Hospitals were borne out of a local need for both affordable and highly specialized treatment for specific diseases, they weren’t always easily accessible for all patients. Second Opinions is dedicated to bringing affordable high quality care to patients all over the world. Our COE services bring you the expertise of these centers without the cost or hassle of traveling and the stress of investigation and coordination are completely eliminated.