Who Are Aviva?
While the merger of Norwich Union and CGU PLC created the business in its current form in 2000 (it adopted the name Aviva in 2002), Aviva can trace its origins all the way back to 1696.
As well as being the UK’s largest insurance company, Aviva is also the sixth-biggest insurer globally. It has around 33 million customers across 16 countries worldwide.
Aviva is a public limited company (PLC), with a primary listing on the London Stock Exchange. It’s also constituent of the FTSE 100 Index.
Private Medical Insurance Awards
Aviva won the Best Individual PMI Provider Awards at the Health insurance & Protection Awards 2019. Also, its Health Insurance policy is rated 5 out of 5 stars by Defaqto (an independent reviewer of financial products).
Aviva’s Health Insurance
Aviva Healthier Solutions is the company’s Health Insurance offering.
Aviva Healthier Solutions has extensive core cover. It is a flexible policy that allows you to add and remove various options to either make your cover more comprehensive or reduce premiums.
Its core cover pays for both private inpatient treatment and outpatient treatment. To reduce premiums, you have the option to remove or limit the outpatient care you’re entitled to under the plan.
Read more about the difference between inpatient and outpatient cover here.
- 24 / 7 GP appointments with Aviva Digital GP
Guaranteed video consultations with a UK-registered GP within 48 hours. You could have an appointment in as little as 15 minutes with a doctor who can issue electronic prescriptions, provide fit notes if you’re signed off work and refer you for private medical treatment under your Health Insurance.
- Breakthrough cancer drugs and therapies
Access to cutting-edge cancer drugs and treatments, even when they’re not approved for NHS use due to cost, as standard
- Partnerships with leading private healthcare providers
Giving you access to Spire, Nuffield Health and BMI facilities across the UK
- 24 / 7 stress counselling helpline
Offering access to experienced counsellors if you’re suffering from stress
- Add younger kids free
Add two or more children aged 19 or under to your policy to make a Family Health Insurance plan and you only pay for the oldest child (until they turn 20)
- 25% gym membership discount
Aviva offers up to 25% off gym memberships to help you stay fit and healthy
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What Does Aviva Healthier Solutions Cover?
Inpatient and Day-Patient Treatment
Inpatient and day-patient treatment involves all medical care requiring a hospital bed. This might be overnight (inpatient) or just for the day (day-patient). This most commonly, but not exclusively, involves surgical procedures.
All medical care not requiring a hospital bed. Aviva Healthier Solutions offers outpatient treatment as standard on the plan.
Aviva lets you remove outpatient cover entirely or limit it to reduce your premiums. The outpatient limits Aviva lets you choose from are £500 per policy year or £1,000 per policy year.
Even if you remove outpatient cover entirely or opt for a limit of £500 or £1,000, Aviva will still pay in full for:
- CT scans, MRI scans and PET scans
- Tests relating to an inpatient admission
- Chemotherapy / radiotherapy.
However, your outpatient limit will apply to:
- Consultations with / treatment by a specialist
- Diagnostic tests (e.g. blood tests, X-rays, ECGs etc.)
- Specialist referred treatment by a physiotherapist, chiropractor or osteopath
- GP-referred psychiatric treatment as an outpatient.
Cancer cover is one of the most valuable elements of any Private Medical Insurance policy. It pays for diagnosis and treatment of cancer, including offering access to drugs, treatments, therapies and procedures the NHS may not yet offer due to their cost.
Aviva Healthier Solutions includes cancer care as standard.
Your hospital list impacts which facilities you get private healthcare in and also how much your premiums will be. Some hospitals are more expensive than others, so opting for access to a wider array of private facilities increases premiums.
Aviva has a wide range of hospital lists to choose from:
- Fair & Square
View Aviva’s full hospital list here.
Medical Underwriting Options
When you apply for Health Insurance as an individual, you choose how you want your insurer to underwrite you.
Aviva has two main underwriting options:
- Full medical underwriting
You disclose your medical history when you take out the policy
- Moratorium underwriting
Aviva won’t ask for any medical details until you submit a claim.
These are two very different options which can impact the way your insurer decides on exclusions for any pre-existing conditions you may have. The best underwriting for you depends on your circumstances.
Read more about the difference between full medical underwriting and moratorium underwriting here.
You can also switch to Aviva Healthier Solutions from another provider on continued underwriting terms on a continued personal medical exclusions basis.
Aviva includes these as standard with Health Insurance:
- Home nursing
A nurse will visit your home where medically advised immediately following eligible inpatient or day-patient treatment
- Private ambulance
Pays for transportation in a private ambulance should you require it
- Parent accommodation
- GP-referred speech therapy for children
If you have a child under the age of 18, your policy will cover up to two sessions of speech therapy required as a result of a developmental delay
- Baby bonus
£100 for each baby born or adopted during the life of your policy
- Emergency overseas cover
Limited emergency overseas cover if you require inpatient or day-patient treatment while abroad on a trip of up to 90 days
- NHS inpatient cash benefit
If you opt to have inpatient treatment that your policy would have covered on the NHS rather than using your Health Insurance, Aviva pays you £100 per night for up to 30 nights spent as an NHS inpatient
- NHS cancer cash benefit
If choose to have cancer treatment under the NHS, Aviva pays you a benefit of £100 for each day you receive eligible cancer treatment.
Are There Any Optional Extras That Can Be Added?
You can choose to add these to your policy for an additional premium:
- Other treatment and therapies
Offers up to ten sessions per condition of GP-referred therapies (rather than specialist-referred) for physiotherapy, osteopathy, acupuncture and chiropractic treatment
- Dental and optical benefit
Up to £200 towards prescription glasses / contact lenses; up to £600 towards accidental dental injury; and up to £300 towards routine dental care (e.g. fillings, checkups, crowns and extractions). Prescription glasses / contact lenses cover and routine dental cover are subject to a £50 excess.
- Mental health treatment
Aviva’s outpatient cover offers GP-referred mental health treatment (up to £2,000 or your policy’s outpatient limit) as standard. This option expands mental health care to inpatient and day-patient treatment, paying in full for up to 28 days per policy year as an inpatient / day-patient and up to £210 per week for specialist fees resulting from psychiatric inpatient care.
Are There Any Exclusions?
Aviva’s Health Insurance exclusions are fairly standard to those across other providers. For example, they include:
- Chronic / long-term conditions
- HIV / AIDS
- ‘Normal’ pregnancy and childbirth
- Infertility treatment
- Treatment for addiction
- Psycho-geriatric conditions (e.g. dementia)
- Kidney dialysis
- Cosmetic / weight loss surgery
- Experimental treatment
- Sleep disorders
- Birth control
- Varicose veins.
Do I Have to Pay Towards My Treatment?
Aviva offers the option to add an excess to your policy, which is a sum of money you agree to pay upfront towards your private medical care. The higher your excess, the lower your monthly premiums.
However, you don’t have to add an excess and pay towards treatment if you don’t want to. Aviva provides a choice of excesses:
You pay your excess once per policy year. That means you can claim for multiple eligible conditions in a single policy year and only pay your excess once.
Read more about Health Insurance excesses here.
How Does Aviva Compare?
No Claims Discount
Aviva has a fifteen level no claims discount system. Your discount increases by one level each year you don’t claim, up to a maximum discount of 75%.
If you make a new claim, your no claims discount stays at the same level if the total Aviva pays towards the claim is £250 or less. If the claim is for more than £250, your no claims discount reduces by three levels.
You have the option to protect your no claims discount for an additional premium, which freezes your discount at its current level if you make a claim that would have caused reduction in your no claims discount level.
6 Week NHS Wait
Aviva offers the 6 week NHS wait option, which can be a way of keeping costs down by only paying for private inpatient treatment if the NHS wait for that treatment exceeds 6 weeks.
Large Hospital Network
Aviva works with many private healthcare providers, including Spire, Nuffield Health and BMI, which means you get access to a wide variety of private facilities.
High Excess Options
Aviva’s £3,000 and £5,000 excesses are among the highest in the industry if you choose them. While this would be expensive if you needed to claim, if you can afford to pay this much upfront it will notably reduce premiums.
Our expert in-depth review of each of the UK's leading providers
How Much Does Aviva Health Insurance Cost?
To give you an idea of how much you can expect to pay for an Aviva Health Insurance policy, we’ve provided example premiums based on varying ages, for basic and comprehensive cover below.
To get these quotes we have assumed that the individual looking for cover:
- Is in a low risk office based role
- Wants an excess of £100
- Is a non-smoker
Get Aviva Health Insurance Quotes & Expert Advice
As you can see when it comes to putting Health Insurance in place there are lots of points to consider. With so many factors and a lot of different terminology at play, it can be tricky to know exactly what you need.
If you’re unsure its always best to speak with an expert such as one of the team here at Drewberry. They can talk you through all your options and make sure you get the most suitable protection for your circumstances.
On the other hand you can compare the top UK providers in seconds using our handy health insurance quote tool 😊 →
Why Speak to Us…
We started Drewberry™ because we were tired of being treated like a number.
We all deserve a first class service when it comes to issues as important as protecting our health. Below are just a few reasons why it makes sense to talk to us.
- There is no fee for our service
- We are an award winning 🏆 independent insurance broker who works with all the leading UK insurers
- You’ll speak to a dedicated expert from start to finish
- We are very proud of the 3640 and growing independent client reviews rating us at 4.92 / 5
- Claims support when you need it most.
- We are authorised and regulated by the Financial Conduct Authority. You can find us on the financial services register here 🧐
- Claims support when you need it most.
If you need help reviewing an existing plan or setting up a new medical insurance policy give us a call on 02074425880 or email email@example.com.