Insurer & Benefits | Find a broker | |||
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Key Facts - In-patient & Day Case Charges | |
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Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings | |
In full | |
Surgeon / Consultant / Specialist & Anaesthetists fees | |
In full | |
Physicians fees & diagnostic tests | |
In full | |
Cancer Treatment Costs - Chemotherapy / Radiotherapy | |
In full | |
Organ transplant | |
Covered subject to overall policy limit of £1m : €1.5m : $1.5m - excludes cost of obtaining donor organs | |
Outside area of cover limit for USA / Canada | |
Cover for emergency treatment and evacuation where necessary - up to 60 days' cover per policy year | |
Prosthetic devices | |
Covered subject to overall policy limit of £1m : €1.5m : $1.5m - excludes cost of obtaining donor organs | |
Psychiatric treatment | |
Up to an annual limit of 30 days for in-patient treatment | |
Key Facts - Out-patient Charges | |
Complementary medicine | |
In full for treatment by Chiropractor,Osteopath, Acupuncturist and Homeopath when you have been specialist referred | |
Diagnostic tests (excluding scans) | |
In full | |
GP referred consultations | |
In full | |
Physiotherapy consultant referred | |
In full | |
Physiotherapy GP referred | |
In full following Specialist referral. Otherwise limited to 10 sessions on referral by medical practitioner | |
Psychiatric cover | |
Up to 10 consultations per year for out-patient. | |
Radiotherapy / Chemotherapy | |
In full | |
Scans - MRI / CT / PET | |
In full | |
Surgical Procedures | |
In full | |
Vaccinations administered by a medical practitioner | |
As part of the wellness benefit up to £500 : €750 : $750 for vaccinations and inoculations | |
Key Facts - Additional Benefits | |
Cash benefit if the treatment is received completely free of charge | |
£150 per night (maximum 28 nights pa) | |
Nursing at home | |
Up to an annual limit of 28 days (following in-patient or day-patient treatment) | |
Parental accommodation | |
In full (child under 18 years of age - 1 parent only) | |
Private ambulance | |
In full | |
Additional Benefits | |
24 Hour emergency helpline | |
24hr / 7 days a week medical information line. A service to answer general queries and provide information on medical issues | |
Accompanying relative travel & accomodation | |
Up to £2,000 accommodation costs for insured person to accompany member. Travel costs in full. | |
AIDS / HIV treatment | |
Up to £3,000 : €4,500 : $4,500 per person per policy year | |
Alcohol & drug abuse | |
Not covered | |
Annual maximum limit | |
£1,000,000 : €1,500,000 : $1,500,000 per person per policy year | |
Children covered | |
Up to age 21 | |
Chinese medicine | |
Covered subject to overall terms and conditions of the policy | |
Chiropractors & Osteopaths | |
In full - must be Specialist referred with Specialist to remain in direct control | |
Chronic conditions & palliative care | |
Up to £7,500 : $11,250 : €11,250 per person per policy year | |
Compassionate home visit | |
Economy class airfare The cost of an economy class return airfare to attend the funeral of a close family member. The benefit is limited is up to £1,000 : €1,500 : $1,500 per insured person per policy year |
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Cover for new born children | |
Newborn babies qualify for up to 3 months free cover, and can be added to the policy on full cover regardless of their health if notified to AVIVA within three months of birth. But birth defects and congenital conditions excluded. | |
Cremation / burial or repatriation of remains | |
Up to £2,500 : €3,750 : $3,750 for transport (only) of mortal remains | |
Dental treatment | |
Emergency dental treatment following an accident: Up to £5,000 : $7,500 : €7,500 per person per policy year Routine dental treatment: Up to £500 : €750 : $750 per person per policy year |
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Emergency medical evacuation & medical repatriation | |
Reasonable travel costs in full incurred in connection with the evacuation of an insured person. Emergency transport necessarily incurred in connection with benefits under this policy within the country where the treatment takes place. Accommodation costs (other than at a hospital incurred in connection with evacuation up to £100 : €150 : $150 per night up to £2,000 : $3,500 : $3,500 limit |
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Extended care facility | |
Not covered | |
Health Screening | |
Wellness benefit Consisting of pap smears, mammograms, prostate screening, gynaecological examinations, routine physical examinations, X-rays, laboratory blood tests, vaccination, inoculations. Up to £500 : €750 : £750 per person per policy year |
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Hormone replacement therapy | |
Not covered | |
Infertility investigations | |
Covered if both partners have been covered continually for two years and were unaware of the existence of infertility at the policy commencement date | |
Maternity cash benefit | |
Not covered | |
Overseas cover | |
Worldwide extension of 60 days for emergency evacuation and treatment | |
Worldwide Travel Extension Within area or lower - Paid in full Out of area - 60 days per insured person per policy year (limited to emergency in/day-patient and evacuation) |
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Personal & total disability benefit | |
Not covered | |
Policy excess | |
Standard excess of £25 : €40 : $40 applied to each eligible claim per person per policy year. Unless a voluntary excess selected. Optional Excess * £100 : €150 :$150 = 10% Discount * £250 : €375 :$375 = 20% Discount |
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Pre-existing conditions | |
Not covered | |
Pregnancy complications | |
In full (10 Months membership applies) | |
Presciption drugs, dressings and medicines | |
Up to £500 : €750 : $750 per insurer person per policy year | |
Rehabilitation | |
Not covered | |
Routine maternity cover | |
Up to £7,500 : €11,250 : $11,250 per pregnancy (After 12 months membership per insurer person per policy year). | |
Sight / vision benefit | |
Not covered | |
Stabilisation of acute chronic episode | |
Up to £50,000 per person per policy year |
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