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Aviva Insurance

Aviva Health Insurance

Healthier Solutions

Policy Terms PDF Hospitals PDF Key facts PDF



Company Type

Public Limited Company

Company Overview

Aviva was created by a merger of Norwich Union and CGU plc and is now the world’s sixth largest insurer serving around 44.5 million customers in 28 countries worldwide. It is a market leader in both health insurance and life and pensions in the UK.

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Level of Cover
Date of Birth



Aviva Overview

Aviva’s private medical insurance (PMI), Healthier Solutions, is a modular comprehensive medical insurance product that includes a no claims discount. Additional cover options can be selected to enhance or downgrade the cover as required.


Healthier Solutions is a modular product with option to add/remove cover such as outpatient treatment, therapies, psychiatric treatment and dental & optical benefits.


Healthier Solutions covers cancer treatment in full as standard.


Aviva’s Key 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).


In-Patient & Day-Patient Treatment

Most UK health insurance plans provide cover which builds on basic inpatient treatment cover providing more outpatient treatment cover and additional benefits as the policy becomes more comprehensive. Below is an overview of the key areas of cover on Aviva’s Healthier Solution plan.

   In-Patient & Day-Patient Core Cover

Hospital Charges


Covered in Full

Specialist Fees


Covered in Full

Diagnostic Tests


Covered in Full



Covered in Full



Out-patient Treatment

A patient who attends a hospital, consulting room or outpatient clinic and is not admitted as a day patient or in-patient.
Outpatient Treatment Cover

Specialist Consultations


Full Cover / £1,000 per year / £500 per year / No Cover

Diagnostics Tests


Full Cover / £1,000 per year / £500 per year / No Cover



Covered in Full

A summary of all options which can either help to reduce your monthly premium or be included in the policy for an additional premium.
Core Policy Options



£0 / £100 / £200 / £500 / £1,000

Alternative Therapies


Covered in Full
Specialist referred physiotherapy/osteopathy/chiropractic treatment

10 sessions of GP referred treatment

Psychiatric Treatment


Outpatient Psychiatric Treatment
Up to £2000

28 Days inpatient/day-patient accommodation and nursing

Dental & Optical


Health Cash Benefit
Routine Dental Treatment (£300)
Optical Benefit (£200)
Accidental Death Injury (£600)

A summary of the ancillary benefits which are included in the policy as standard, this list also includes any benefits we have come to expect which are not included.
Additional Benefits

NHS Cash Benefits


£100 per night

Private Ambulance


Covered in Full

Home Nursing


Covered in Full
Following in-patient or day-patient treatment that is covered by the policy or on specialist recommendation.

Emergency Overseas Cover


Up to 90 Days
Limited emergency treatment when temporarily abroad.

GP Helpline


Covered in Full

We have taken care to ensure that the information on this Drewberry owned website is accurate. However we can give no guarantee as to the accuracy of the content of the site. We accept no liability for any losses whether direct or indirect arising from errors on our part.

Got any questions?

Let us help you find a private medical insurance plan that suits your needs by either completing a health insurance quote online or calling us on 0208 432 7333 to speak with our experts.

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