Aviva Health Insurance Policy Review
Aviva are one of the largest insurers in the UK market and a multinational company operating in 16 countries. Formally known as Norwich Union, they have held a large market share in the private medical insurance market for many years.
Aviva’s Healthier Solution policy is a modular policy and can be tailored to suit a specific budget and need. The Healthier Solution core cover includes in-patient treatment as standard. In additional to the core cover there are several other options available to choose from.
Things you may wish to consider
If you have claimed in the last 24 months and are looking to switch your health insurance policy to Aviva, you’re likely to expect less competitive prices in this instance.
If you live in or around London, the pricing for Top London hospitals can often be much higher than other providers.
Unless you have full outpatient cover, you would have a combined financial limit of £500 or £1,000 for consultations and minor diagnostic tests such as blood tests, X-Rays, and ultrasounds. Diagnostic tests can be expensive and unpredictable and typically it’s advised to cover these in full.
Aviva only charge for the first child under the age of 20 and all other children will be covered free of charge.
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Aviva Healthier Solutions Benefits
My Health Counts
The online health questionnaire gives personalised, expert advice on how to manage and improve your health. It also gives you the chance to receive a discount on your renewal.
Committed to our clients
Aviva Healthier Solutions Core Cover
These benefits are included with all Aviva Healthier Solutions policies.
In-patient and day patient treatment
Full cover for hospital fees including operating theatre costs, diagnostic tests, nursing care, drugs & dressing, and physiotherapy
Full cover for MRI, CT & PET scans
Outpatient surgery is covered in full
Specialist referred physiotherapy, chiropractic, and osteopath treatment
Psychiatric treatment up to £2,000
Comprehensive Cancer Cover
Full cover for in-patient, day patient and outpatient treatment and consultations relating to cancer
Full cover for chemotherapy and radiotherapy
Full cover for high-cost cancer drugs proven to treat cancer
External Prostheses up to £5,000 a year
Wigs up to £100 a year
NHS Cash Benefit
£100 a night up to 30 nights where you have treatment through the NHS where Aviva would have covered your treatment privately
Full cover immediately following treatment as an in-patient or day patient
Paid in Full
Full cover for specified oral treatment
Hospital accommodation for one parent, in full while your child is receiving eligible treatment and is under the age of 15
£100 cash benefit for the policy holder for each child born more than 10 months after the policy start date
Limited Emergency Overseas Cover
Cover for emergency medical treatment abroad as an in-patient or day patient when traveling for up to 90 days in total in a policy year
Up to two sessions a year when needed because of developmental delay for a child aged 14 and under
If you are concerned about NHS wait times, explore private health insurance options
Aviva Healthier Solutions Optional Extras
£500, £1,000 or Full Outpatient Cover
Full outpatient cover will provide unlimited consultations and diagnostic tests. If you reduce your outpatient limit this will provide a combined limit or £500 or £1,000 for both consultations and diagnostic tests such as blood tests, X-rays and ultrasounds
Other Treatment and Therapies Cover
Up to a maximum of 10 GP referred sessions for physiotherapy, chiropractic treatment, osteopathy, and acupuncturist.
Minor Surgery by a GP is covered up to £100 for specified conditions
In-patient and day patient accommodation and nursing in full up to 28 days.
Specialist fees as an in-patient covered up to £210 a week
Dentist and Optician Cash Back
Routine Dental Treatment – up to £300
Dental Treatment Due to an Accident – Up to £600
Optician’s fees – up to £200
Protected No Claims Discount
If you claim on the policy and your no claims discount is protected, your no claims discount will remain the same at the following renewal. The following year you would not be eligible to protect your no claims discount.
Aviva offer three underwriting options on their health policies:
- Full Medical Underwriting – where you disclose your medical history to AXA
- Moratorium Underwriting – doesn’t require you to declare your full medical history upfront. Instead, it excludes cover for any conditions for which you have had symptoms, advice or treatment during the past five years.
- Switch Underwriting – This is reserved for clients who have an existing medical insurance. Subject to a couple of medical questions AXA Health would continue your medical underwriting from the previous insurer.
With Aviva you have a choice between Expert Select or a hospital list. The main difference being that with Expert Select, when you make a claim, Aviva will offer you a choice of a selection of hospitals and will ensure you have local options. The hospital list however gives you access to many more hospitals throughout the country.