A lower premium in return for the insurer choosing your consultant or hospital from its network.
A guided option trades choice for price: instead of picking any recognised consultant yourself, you are directed to a consultant or hospital within the insurer’s own network, and the premium is lower in return. It suits buyers who care more about cost and speed than about a named consultant, and it is common in areas with deep consultant supply. The trade-off is worth reading in the policy wording before you buy: how the consultant is selected, what happens if you want a second opinion, and which hospitals the network includes where you live.