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Aviva is one of the longest-standing providers with over 300 years of experience. It offers a broad range of health and wellbeing products and has won many awards. Aviva has also received 5 star defaqto ratings for its business healthcare products. And has been endorsed by over 53,000 independent reviews on Trustpilot, giving it a rating of 4.3 stars out of 5.
Aviva offers different company health insurance products for business of different sizes. These can be tailored to suit the specific needs of you the employer and your employees.
For the most up to date product information, speak to one of our advisers by calling 02074425880 or emailing help@drewberry.co.uk.
The Aviva Solutions policy includes the following features:
Aviva’s Solutions group private medical insurance is suitable for businesses with up to 249 employees. The policy allows your employees to get fast access to medical treatment when they need it most.
It can also help you as an employer address issues around absence levels by helping to reduce the time it takes for employees to get a diagnosis and treatment.
Aviva’s company health insurance ‘Solutions’ can be tailored to suit your businesses needs. However as standard it comes with certain core cover, regardless of the other cover options you choose. We’ve outlined this below.
As an employee benefits consultancy, Drewberry has formed strong relationships with some of the UK insurers. This puts us in a position to secure your business extra perks if you choose Aviva.
By going through a Drewberry adviser, you can get Dental and optical, mental health cover, and consultations and diagnostics for chronic conditions in your policy for free.
Nadeem Farid
Head of Health & Wellbeing
You can enhance your policy options, depending on what your business needs. Choose from the below to boost your plan. It’s important to remember that if you do add any of the options your premiums will increase.
Aviva’s Mental Health Pathway service offers talking therapy and counselling as standard. But for a higher level of cover, you can add up to either 28 days or 45 days of combined in-patient and day-patient psychiatric care.
What’s good about Aviva’s mental health cover is that employees don’t need to see a GP before making a claim for mental health conditions.
SPECIALIST TIP 🤓
It’s important to note that this option isn’t available if you have chosen a policy that has a reduced outpatient cover limit of £0.
For employees that may suffer from chronic conditions this is a good additional extra to add to your policy. As they may need regular treatments and consultations it will give them peace of mind knowing they can get this through their policy rather than having to wait for an NHS appointment.
The following benefits are subject to a combined limit of £1,000 for each member, each policy year.
With this option employees are covered for routine and accidental dental treatment and optical expenses. If you were to add this to your policy it would provide:
While Specialist Select is Aviva’s core option, they also offer a hospital list option with four lists to choose from:
As well as giving you the option of enhancing your cover, Aviva also offer Reduction Options. This allows you to remove certain elements from its core policy to better suit your team.
Unlike other providers, Aviva provide full out-patient cover as part of their core offering. Rather than giving you the option to enhance your plan by increasing the level of out-patient cover you can limit it instead for certain treatments to £0, £1,000, £1,500.
Even if you select the £0 out-patient cover option your employees will still be covered for certain treatment this includes:
Although Aviva has a £0 out-patient option available, we tend to recommend a minimum of £1,000 to provide a good level of cover for your employees.
Joe Toft
Senior Employee Benefits Consultant
When reviewing the core cover offered on the Solution plan you may feel that you only need essential cover when it comes to in-patient, out-patient and day-patient costs. Because of this Aviva give you the option of removing the following cover:
Regardless of what other cover options you choose, Aviva company health insurance plans include many valuable extra benefits as standard. These will keep your team healthy and happy.
Aviva’s BackToBetter is the service providing care for musculoskeletal conditions. Employees can skip the NHS waiting list for physiotherapy and get seen quicker through this service. Referrals can be given without needing to see their GP first.
Get Active offers discounts to over 3,000 health and fitness clubs around the UK, for no extra cost. You can also get discounts on at-home fitness products and online workouts. This benefit means your team can enjoy getting fit and save money at the same time.
Stress is a common issue for many as they try to juggle all of life’s expectations at once. No matter the cause of stress, it can lead to unwanted physical symptoms and mental health issues.
The stress counselling helpline is a 24-hour service available to your team. They can use the helpline to speak to a counsellor about any issues they may be facing. Everything discussed remains confidential. There are also no limits to the number of times you can access this support.
Through Aviva’s Digicare+ app, employees can get care without seeing their own GP first and bypass long appointment waiting lists. They can get quick access to video consultations and repeat prescriptions. Prescriptions can be ordered through the app, including NHS exemptions, with free delivery.
Aviva Wellbeing is an app designed to help your employees live the best lives possible. The app helps them make changes to their physical, mental, and financial health. It can support better sleep, weight loss, and improved fitness, and it’s free to use.
The cost of business health insurance will vary depending on a number of factors. Some will depend on your business itself. For example the following will affect costs:
Others will be down to the options you choose when building out your policy. We’ve outlined some of the key factors below.
You’ll have a choice of underwriting options when it comes to setting up your policy. The type you opt for will have an impact on the cost of your premiums. The options are as follows:
The benefits in your policy are subject to an excess, which is payable by each member per policy year. An excess means you can reduce the monthly premiums. A higher excess lowers the price, while a lower excess will increase the price. Aviva’s Solutions excess options are:
This is payable once per year and must be affordable for your employees. They won’t need to pay an excess for each claim in a policy year; the excess is per person, not per claim.
When it comes to setting up any company health insurance plan there’s a lot to consider. There are a range of different options which can be tailored to your budget and the needs of your staff.
Finding the right cover for your business will depend on your company’s budget, priorities and wellbeing strategy. With so many options to add, remove, and customise a private healthcare policy, it can be tricky to know exactly what you need.
Our specialist employee benefits consultants can talk you through all the details, making sure you get the most suitable cover for your circumstances.
Employee benefits can be a headache. But our specialists do this day-in, day-out, offering first class service when you need it most. Here’s why you should talk to us:
