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Our Expert Review Of Aviva Health Insurance

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.

Policy Overview

Aviva Healthier Solutions has extensive core cover and 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.

Key Benefits

  • 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

Documentation

Aviva Health Insurance key facts pdf

Aviva Health Insurance policy terms pdf

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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.

Inpatient & Day-Patient Coverage

Hospital treatment

Specialist / consultant fees

Tests / scans
E.g. MRIs, CT scans, PET scans, X-rays

Outpatient Treatment

All medical care not requiring a hospital bed. Aviva Healthier Solutions offers outpatient treatment as standard on the plan.

Outpatient Coverage

Consultations with / treatment by specialists

Tests / scans
E.g. MRIs, CT scans, PET scans, X-rays

Pre-admission tests for inpatient treatment

GP-referred psychiatric treatment


Up to £2,000 per policy year

Specialist-referred therapies
E.g. physiotherapy, osteopathy and chiropractic treatment

Outpatient Limits

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 Care

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.

Cancer Coverage

Chemotherapy / radiotherapy
Including treatment for side-effects


As an inpatient or outpatient

Cancer surgery

Consultant fees

Bone strengthening drugs
E.g. bisphosphonates

Wig


Up to £100 once per policyholder

External prostheses


Up to £5,000

Stem cell / bone marrow transplants

Monitoring


Up to 10 years

Ongoing medical needs
E.g. replacement of tubes / drains


Up to 5 years

Preventative treatment


After eligible cancer treatment

End of Life Care

In hospital

In a hospice


£100 per night up to £10,000

Care from registered charity


£50 per day, up to £10,000

Hospital List

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:

  • Key
  • Extended
  • Fair & Square
  • Trust
  • Signature.

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.

Additional Benefits

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
    If a child (aged 15 or under) your plan covers has eligible inpatient treatment under the policy, Aviva pays for one parent to stay with your child in the hospital
  • GP-referred speech therapy for children
    Up to two sessions of speech therapy required as a result of a developmental delay for a child aged under 18 your policy covers
  • 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.

Optional Extras

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:

  • £0
  • £100
  • £200
  • £500
  • £1,000
  • £3,000
  • £5,000.

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.

Key Comparison Points

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.

Compare Health Insurance Quotes & Get Expert Advice

As you can see, when you’re looking to compare Health Insurance there are lots of points to consider. With so many factors and a lot of different terminology at play, it can be tricky to do an accurate like-for-like comparison between providers.

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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.

If you need help reviewing an existing plan or setting up a new medical insurance policy us a call on 02074425880 or email help@drewberry.co.uk.

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12/08/2020
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