Who are Aviva?
Founded in 2000 and originally established as Norwich Union, Aviva is regarded as being one of the largest insurers in the UK and are an award-winning health insurance provider, insuring individual policyholders as well as providing health insurance for the self-employed, SMEs and corporate businesses.
In 2017, they scooped the prestigious ‘Health Insurance Company of the Year award for the eighth year running. They were also voted ‘Best Customer Service Provider’ for the second consecutive year. Their ‘My Health Counts’ reward scheme promotes and rewards a healthy lifestyle.
Aviva's health insurance policy for individuals is called 'Healthier Solutions' and offers the following benefits as standard:
Your policy will support you through the stages of cancer you might find youself dealing with as well as cover for cancer diagnostics, treatment (chemotherapy, radiotherapy & targeted therapy are covered in full) and after care including drugs, prostheses & transpants, You can also take advantage of an NHS cashback, which means that if you use the NHS for treatment you can claim up to £100 per day/night for elligable treatmentfor up to 25 nights.
Aviva have their own cancer pledge to their customers stating that they will cover cancer treatment and palliative care as well as extensive after care with consultations with a dietician & money towards a wig and prostheses. They offer savings on services and products to help you with your diagnosis hoping that the adjustments you need to make with daily living will ease. You can also get discounts on experiences so that you can enhance your memories & quality time with your family & friends.
You will have access to an app that will allow you to make up to 5 video GP appointments (per member per policy year) 24/7 as well as repeat prescriptions.*
*This can be changed by Aviva at any time 03/2023
Your policy will allow you to have diagnostic tests covered in full when being seen an an in-patient or out-patient including accomodation, meals, dressings & care.*
You also benefit from consultations with a specialist dependent on your options and will receive the treatment as an out-patient in full.
*If you take the 6 week option, this is not available to you if your treatment is available on the NHS
This cover includes help with stress, anxiety & poor mental health that will offer counselling by a physciatric therapist or specialist. Their hub also provides articles and information to support and help you through that period in your life including a stress counselling hotline with unlimited contact.
This policy supports you from the beginning of your journey. This includes:
*These come with policy terms
This benefit enables you to receive nursing when you still require medical care immediately following treatment as an in-patient or day-patient in your home.
This allows travel in a private road ambulance to the nearest facility when on going treatment is needed in between hospitals as an in-pateint or day-patient or it is medically necessary to travel this way.
Your policy needs be right and work for you. You can tailor your policy and add on other benefits, which naturally will increase your premium but can also include paying a small fee to protect your no claims which will keep future premiums down.
These add ons are:
This will include routine dental treatment up to the value of £450 (with an excess of £50).
You can also receive treatment by a dentist in case of an accident for up to £600.
There is also an optical benefit where you get up to £250 (with a £50 excess) against eye care expenses.
This add on covers you for treatment as an in-patient & day-patient for up to 28 or 45 days (you would need to check your financial statement or ask your broker - see below) and includes accomodation and nursing.
You will also benefit from the specilalists fees incurred as an in-patient (up to the limits shown in the fee schedule)
This gives you an added list to choose from, widening where you can receive treatment which are mostly based in or around London. This can replace 'Expert Select' or the 'Standard key hospital list' which is in the core care of hospital lists.
When you are referred by your GP, you can receive treatment for :
Aviva also offer competetive Business Health Insurance for the self employed (for as little as 1 person) and larger businesses up to 250+ employees.
This policy is for 1-249 employees & offers the following as core cover:
Add on benefits such as:
They are also offering the 1st month free when you have cover in place for a year and havent had a policy with Aviva in the last year.
This policy is for 250+ employees & offers the following as core cover:
You can also add on other benefits to enhance the cover such as:
Cancer Cover
I mentioned a little bit about Cancer Cover with Get Active above but here's what else to expect with their extensive cancer cover which comes as standard
Under Aviva's cancer pledge, they commit to supporting you every step of the way with their dedicated oncology team. You'll receive first-class inpatient and outpatient treatment and a high level of aftercare.
Aviva's pledge states that they'll cover all of the cancer treatment and palliative care you need, as recommended by your consultant.
They want to make things as comfortable as possible following your cancer treatment and therefore provide an excellent level of aftercare, including consultations with specialists such as dietitians and a contribution towards the cost of prostheses and wigs.
Leaving company-paid Aviva health insurance
If you are covered with Aviva through employment, and you are thinking of leaving or have already left, you are able to continue with Aviva on the same underwriting you benefited on through your company-paid health insurance. You are able to continue your health insurance on a no worse terms basis (in regards to your underwriting). You must get a quote within 45 days of your leave date and this must be accepted within 30 days of receipt. As there can be no gap in cover, if you do continue your underwriting with Aviva, your start date will be backdated to reflect no gap in cover.
Generally speaking, if you have planned or pending medical treatment after you have left employment, and you wish to continue your treatment pathway, your holding insurer would be your only option.
Your options will broaden if you are happy to have exclusions applied to a new health insurance policy or if you are able to meet other insurers' declaration questions.
Our advisors will be able to guide you through this and help get the best available terms for you.
