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.