Aviva Insurance Review

What does Aviva’s Health Insurance cover?

Inpatient and Day-Patient Treatment

When you undergo inpatient or day-patient treatment, you’re receiving medical care that demands a hospital bed. This can either be for your overnight stay (inpatient) or your day visit (day-patient). While it often includes surgical procedures, it’s important to note that it isn’t limited solely to surgeries.

Outpatient Treatment

Outpatient treatment refers to medical care that doesn’t involve the use of a hospital bed. When you choose Aviva Healthier Solutions, you automatically have outpatient treatment as part of your standard plan.

Aviva provides flexibility when it comes to outpatient cover by allowing you to either remove it completely or set limits to reduce your premiums. You can choose outpatient limit levels from £500 to £1,000 per policy year.

It’s important to note that even if you decide to remove outpatient cover entirely or select one of the limit options, Aviva will continue to fully cover your:

• CT scans, MRI scans, and PET scans
• Tests associated with inpatient admissions
• Chemotherapy and radiotherapy

However, your chosen outpatient limit will apply to:

• Consultations or treatments provided by specialists
• Diagnostic tests such as blood tests, X-rays, and ECGs
• Specialist-referred treatments by physiotherapists, chiropractors, or osteopaths
• GP-referred psychiatric treatment as an outpatient.

Cancer Care

Cancer care is a crucial part of Private Medical Insurance, providing substantial benefits. It covers the expenses related to diagnosing and treating cancer, including access to medications, therapies, and procedures that the NHS might not offer due to their cost.

With Aviva Healthier Solutions, you get comprehensive cancer care automatically included in your coverage, offering you vital protection against this serious health condition.

End of Life Care

End-of-life care is a very important part of Aviva’s cancer cover. It includes hospice, in-hospital and registered charity care. It provides essential support and assistance during the final stages of serious illness or end of life.

Hospital List

End-of-life care is a very important part of Aviva’s cancer cover. It includes hospice, in-hospital and registered charity care. It provides essential support and assistance during the final stages of serious illness or end of life.

For more information on the hospital list please read here.

Medical Underwriting Options

Aviva offers two underwriting options for their health insurance:​​

• Full medical underwriting 

This option requires you to declare your entire medical history to Aviva from the very beginning when you purchase the policy. This way, you will know upfront what will be covered and what might be excluded for a certain period or entirely from the moment you buy the policy.

• Moratorium Underwriting

Under moratorium underwriting, there’s no need to disclose your medical history when you buy the policy. Your medical information will only be required if you make a claim. This method also involves a qualifying period during which pre-existing conditions may have limited coverage.

You also have the option to switch to Aviva from another insurance provider while maintaining the existing underwriting terms and continuing with the same personal medical exclusions that were in place with your previous provider.

Additional Benefits

When you choose Aviva, you’re not only getting outstanding inpatient and cancer coverage, but you’re also gaining access to a range of fantastic additional benefits that you should consider when choosing your insurance.

Extra Options

You have the choice to enhance your policy for more comprehensive coverage, but it’s important to note that there are benefit limits, and this upgrade may result in a higher premium.