Public Limited Company
Aviva as it stands today was created from the merger of Norwich Union and CGU PLC in 2000. It adopted the name Aviva two years after the merger, in 2002. Aviva is now the world’s sixth-largest insurer, with 44.5 million customers in 28 countries across the world.
Aviva is the UK’s largest insurer and a market leader in both general insurance, life insurance and pensions.
Aviva offers a high degree of flexibility with Health Insurance, with a number of different outpatient options, a choice of excesses and the ability to limit your hospital access to reduce costs.
Key Policy Facts
£100 / £200 / £500 / £1,000 / £3,000 / £5,000 per year
No Claims Discount
Minimum Entry Age
Inpatient and Day-Patient Cover
Hospital charges and specialists’ fees
Paid in full
Plus up to £500 for wigs and up to £5,000 for external prostheses.
Paid in full
Full Outpatient Cover
Consultations and treatment by specialists
Treatment for complications of childbirth
Surgical procedures on the teeth as an inpatient, day-patient or outpatient
Limited emergency overseas cover
Pre-admission diagnostic tests and scans
Specialist consultations; diagnostic tests; specialist-referred physiotherapy, osteopathy and chiropractic treatment; outpatient psychiatric treatment
£0 Outpatient Cover
Diagnostic/pre-admission tests and scans
NHS Cash Benefit
£100 per night, up to 30 nights
Cover for one parent to stay in hospital when a child of 15 or under is being treated as an inpatient
£100 for each baby
GP Helpline / Stress Counselling Helpline
Where medically necessary for your treatment
£70 a day, for up to 10 days
GP-referred speech therapy
Up to two speech therapy sessions per covered child
GP-referred treatment by a physiotherapist, osteopath, acupuncturist or chiropractor
Up to 10 sessions per condition each year
Minor surgery by a GP
Up to £100 per procedure
Up to £600 per year
Routine Dental / Optical Cover
Mental Health Treatment
Up to 28 days as an inpatient or day-patient
Specialists’ fees for treatment as an inpatient
Extended Hospital List
6 Week NHS Wait Option
With multiple different levels of outpatient cover and a number of other additional optional benefits, Aviva allows you to custom-make your Health Insurance plan.
As the largest insurer in the UK and the sixth-largest insurer in the world, Aviva has sizeable financial clout behind it. It has been providing insurance in various forms since the 18th century, making it one of the oldest Health Insurers operating in the market today.
In the year to 31 December 2017, Aviva PLC recorded a pre-tax profit of £2 billion and paid out £34.6 billion in claims. With £490 billion in assets under management, this is up by £40 billion from 2016.
At Drewberry, we have made it our missions to know all of the ins and outs of these policies, putting us in the best position to help you find the right policy.
Below, we have put together some of the top Health Insurance FAQs and given our answers. If you need our help finding the best policy or would just like to know more, contact us today on 02074425880.
Every year you don’t make a claim worth more than £250 your discount increases by one level up to a maximum discount of 75%. If you make a claim over this amount, your claims discount level will drop by three levels. There are 15 levels, with a 75% discount received at the 15th level. For a small additional premium, you can protect your no claims discount.
If you add this to your policy and the treatment you need is available on the NHS in 6 weeks or less, you would need to use the NHS for that treatment as your insurer would not cover for it. Cover for medical treatments you’re eligible for only kicks in if the wait on the NHS for that procedure is more than 6 weeks.
As you can see, there are a lot of points to consider when comparing insurers. With so many factors in play, it can be time-consuming to pull up key information across every single insurer in the market, so why not ask an adviser for help?
We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.
If it is all getting a little confusing and you want to talk you through your options to make sure you find the most suitable cover please don’t hesitate to get in touch.
Pop us a call on 02074425880 or email firstname.lastname@example.org.
Head of Employee Benefits at Drewberry
I had the pleasure of dealing with Jake Mills in organising my insurance. Jake was fantastic to deal with — his patience and understanding really helped.