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.

Covers
Hospital Stay and Treatments	Full
Specialists and Consultation Fee	Full
Tests, MRI, CT, PT Scans, X-Rays	Full

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.

Outpatient Cover Includes
Specialists consultation and treatment.	✔️
Diagnostics including MRIs, CT, PET scans, X-rays	✔️
Pre-admission tests for inpatient treatments	✔️
Psychiatric treatment referred by GP	✔️
Physiotherapy, osteopathy and chiropractic treatment referred by specialist	✔️

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.

Cover
Chemotherapy/Radiotherapy	✔️
Cancer surgery	✔️
Consultant fees	✔️
Specialist Fees	✔️
Bone-strengthening drugs/bisphosphonates	✔️
Wig	£100
External Prostheses	£5,000 Max
Stem cell/bone marrow transplants	✔️
Monitoring	Up to 10 years
Ongoing Medical Needs	Up to 5 years
Preventative Treatment	✔️

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.

Includes
Care in Hospital	✔️
Care in Hospice	Up to £10,000 (£100 per night)
Registered Charity Care	Up to £10,000 (£50 per day)

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.

Key Hospital List	This is the default list included in the Healthier Solutions core cover. You have access to hospitals on this list unless you choose an alternative
Extended Hospital List	Expand your hospital choices, primarily in the Greater London area, providing more options for your healthcare.
Trust Hospital List	This list includes private patient units within NHS trust hospitals, offering a unique blend of private care within the NHS framework.
Signature Hospital List	Designed for customers residing in Scotland or Northern Ireland, this list tailors hospital choices to meet regional needs.

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.

NHS Cash Benefit	You will receive £100 per night for a maximum of 30 nights for using NHS facilities for inpatient treatment.
NHS Cancer Cash Benefit	If you opt for cancer treatment through the NHS, Aviva will provide you with a benefit of £100 for each day you receive eligible cancer treatment.
Home Nursing	A nurse will visit your home upon medical advice following eligible inpatient or day-patient treatment.
Baby Bonus	You will receive £100 for each baby born or adopted while your policy is in effect.
Parent Accommodation	If your child is in the hospital and they’re under 15 years old, Aviva will cover the expenses for one parent to stay with them and be close to them during their hospital stay.
GP-referred Speech Therapy	For children under 18, the policy includes coverage for two speech therapy sessions needed due to developmental delays
Overseas Emergency Cover	Limited coverage for emergency medical treatment, including inpatient or day-patient care, during trips abroad lasting up to 90 days.
Private ambulance	Covers the cost of a private ambulance if you need transportation.

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.