Cookie Use

Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies. If you would like to know more about cookies and how to manage them please view our privacycookie policy.

aviva

Aviva Health Insurance

Healthier Solutions

Founded

1797

Company Type

Public Limited Company

Company Overview

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.

Policy Documentation

Aviva Health Insurance key facts pdf.

Aviva Health Insurance policy terms pdf.

Aviva Health Insurance - Hospital list pdf.

Aviva Health Insurance Overview

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.

  • Healthier Solutions is a modular product with option to add/remove cover such as outpatient treatment, therapies, psychiatric treatment and routine dental/optical treatment.
  • Healthier Solutions covers cancer treatment in full as standard, with diagnostic tests for cancer paid in full even if you have no outpatient cover.
  • Aviva’s hospital list provides nationwide coverage with the option to extend or limit the coverage depending on personal requirements.
  • Aviva provides a range of underwriting options including full medical underwriting, moratorium and switching with continued personal medical exclusions (CPME).

Enjoy 2 Months FREE Cover

By reaching this page you are eligible for two months FREE cover when you set-up your new Health Insurance policy.

Simply fill in the form below to apply your two months free discount or call us on 02074425880 and state the code VC2MF.

Compare Top 10 UK Insurers
Takes approx. 60 seconds

Aviva Health Insurance Policy Conditions

Key Policy Facts

Underwriting

  • Full Medical Underwriting
  • Moratorium
  • Continued Personal Medical Exclusions

Excess

£100 / £200 / £500 / £1,000 / £3,000 / £5,000 per year

No Claims Discount

Yes
Aviva operates a 15 level no claims discount scale.

Minimum Entry Age

16

Core Cover

Inpatient and Day-Patient Cover

Hospital charges and specialists’ fees
Full cover for hospital fees, diagnostic tests related to your admission and consultants’ fees, e.g. surgeons and anaesthetists’ fees.

Cancer Cover

Paid in full
Chemo/radiotherapy; side effects of chemo/radiotherapy; bone-strengthening drugs; bone/stem marrow transplants; preventative treatment; palliative care

Plus up to £500 for wigs and up to £5,000 for external prostheses.

Home Nursing

Paid in full
Immediately following covered treatment as a day-patient or inpatient

Outpatient Cover

Full Outpatient Cover

Consultations and treatment by specialists
Paid in full

Outpatient radio/chemotherapy
Paid in full

Diagnostic/pre-admission tests
Paid in full

Therapies Cover
Full cover for specialist-referred physiotherapy, osteopathy and chiropractic treatment

Psychiatric treatment
Up to £2,000 following referral from a GP or psychiatric specialist

Treatment for complications of childbirth
As an inpatient, day-patient or outpatient

Surgical procedures on the teeth as an inpatient, day-patient or outpatient

Limited emergency overseas cover

Reduced Outpatient
£1,000 limit / £500 limit

Pre-admission diagnostic tests and scans
Paid in full

Radio/chemotherapy
Paid in full

Specialist consultations; diagnostic tests; specialist-referred physiotherapy, osteopathy and chiropractic treatment; outpatient psychiatric treatment
£1,000 limit / £500 limit

£0 Outpatient Cover

Diagnostic/pre-admission tests and scans
Paid in full

Radio/chemotherapy
Paid in full

Additional Benefits

NHS Cash Benefit

£100 per night, up to 30 nights

Parent Accommodation

Cover for one parent to stay in hospital when a child of 15 or under is being treated as an inpatient

Baby Bonus

£100 for each baby

GP Helpline / Stress Counselling Helpline

Available

Private Ambulance

Where medically necessary for your treatment
Paid in full

Hospice Donation

£70 a day, for up to 10 days

GP-referred speech therapy

Up to two speech therapy sessions per covered child

Additional Options

GP-referred treatment by a physiotherapist, osteopath, acupuncturist or chiropractor

Up to 10 sessions per condition each year
Paid in full

Minor surgery by a GP

Up to £100 per procedure

Accidental Dental

Up to £600 per year

Routine Dental / Optical Cover

Dental
Up to £300 per year, with a £50 excess

Optical
Up to £200 per year, with a £50 excess

Mental Health Treatment

Up to 28 days as an inpatient or day-patient

Specialists’ fees for treatment as an inpatient
£210 each week

Extended Hospital List

Available

6 Week NHS Wait Option

Yes

Drewberry Reviews Health Insurance from Aviva

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.

Key Comparison Points

  • With three different levels of outpatient cover, Aviva has a highly-customisable Health Insurance policy.
  • Aviva has a routine dental and optical add-on, which functions similarly to a Health Cash Plan and gives you a rebate towards the cost of routine dental and optical treatment.
  • Aviva covers two sessions of speech therapy for a child as standard; few other insurers include this as a benefit.
  • Aviva offers one of the highest excesses on the market, at £5,000. If this is affordable for you, it could significantly reduce premiums providing you can cover the first £5,000 of your treatment.

Financial Strength

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.

Aviva Health Insurance: Questions and Answers

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.

Q. How does the Aviva no claims discount work?

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.


Q. How does the 6 week NHS wait option work?

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.

Need Expert Health Insurance Advice?

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?

Why Speak to Us…

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.

  • There is no fee for our service
  • We are independent and impartial
    Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
  • We’ve got bargaining power on our side
    This allows us to negotiate better premiums for you than you going direct yourself.
  • You’ll speak to a dedicated expert from start to finish
    You will speak to a named expert with a direct telephone and email. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you.
  • Benefit from our 5-star service
    We pride ourselves on providing a 5-star service, as can be seen from our 2335 and growing independent client reviews rating us at 4.92 / 5.
  • Gain the protection of regulated advice
    You are protected. Where we provide a regulated advice service we are responsible for the policy we set-up for you. Doing it yourself or going direct to an insurer won’t provide this protection, so you won’t benefit from these securities.
  • Claims support when you need it the most
    You have support should you need to make a claim. The most important thing when it comes to insurance is that claims are paid and quickly. We are here to support you during the claims process and make sure it’s as smooth and stress free as possible.
nadeem farid, head of employee benefits at drewberry

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 help@drewberry.co.uk.

Nadeem Farid
Head of Employee Benefits at Drewberry

Extremely satisfied with the help and advice from Drew, since the beginning him understood what I was looking for and have the patience to help me out with all my questions and doubts. Didn’t tried to be push or annoying calling me all the time like so many did before. At the end we find the perfect medical policy for me and my daughter that covers everything that we need. I more than recommend them and if in the future I need something else for sure I will contact them again. Giving only 5 stars because I can’t give 6!!!!

Natasha Caversan Mucci
07/06/2019
Compare Top 10 UK Insurers
Takes approx. 60 seconds

Or call us on 0208 432 7333

Compare Top UK Insurer Quotes Logos
Contact Us
Head Office & Pensions and Investments
Millennium Bridge House
2 Lambeth Hill
London
EC4V 4GG
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map
Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
  • 3We are HumanWe are real people with feelings who are here to help you.
  • 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.