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Home > Aviva - Solutions

Aviva - Solutions

The Solutions product is available for companies with 2 - 249 employees. Solutions is a modular product offering extensive core cover with the flexibility to add or remove benefit modules.

The following options are available:

Psychiatric Cover - see Key Facts In-patient, Day-case and Out-patient charges (Option 1)
GP Referred Services- see Key Facts out-patient charges (Option 2)
Hospital Lists - Key, Signature (Scotland and N Ireland only) Trust (for groups of less than 50 members) and Extended (Option 3)
Dental & Optical - Optical Benefit £300, Routine Dental Benefit £500, Accidental Dental Benfit £600 (each subject to a separate £50 excess per person per policy year) (Option 4)
Six Week option is available on this product and applies to in-patient and day-patient treatment and NHS cash benefit. (Option 5)
Excess options available at £50, £100, £150, £200 (Option 6)
Selected Benefit Reduction (Option 7)
Reduced Out-Patient Cover (Option 8)

Benefits

Option 1 - Psychiatric cover	All 28 Days 45 Days None
Option 2 - GP Referred Services	All Yes No
Option 3 - Hospital	All Key Extended Signature Trust
Option 4 - Optical & Dental	All Yes No
Option 5 - Six Week Option	All Yes No
Option 7 - Selected Benefit Reduction	All Yes No
Option 8 - Reduced out-patient cover	All Yes No

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	In full
Surgeon / Consultant / Specialist & Anaesthetists fees
	Paid in full (subject to AVIVA fee guidelines for Specialists)
Physicians fees & diagnostic tests
	In full
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	In full (See AVIVA Cancer Pledge below)
Psychiatric treatment
Option 1 - Psychiatric cover - None	Not covered
Option 1 - Psychiatric cover - 28 Days	Option 1a - Psychiatric cover Maximum of 28 days combined in/day-patient treatment per policy year
Option 1 - Psychiatric cover - 45 Days	Option 1b - Psychiatric cover Maximum of 45 days combined in/day-patient treatment per policy year
Six week option
Option 5 - Six Week Option - No	Available but not selected
Option 5 - Six Week Option - Yes	Option 5 - Six week option Employees will still have the benefit of prompt cover should a GP refer a group member to a Specialist for a consultation. And, if subsequent eligible treatment as an out-patient is required, that is covered too. The difference is that if the NHS delay for any in-patient or day-patient treatment is less than six weeks they will need to use NHS facilities as a non-paying patient or self-fund any private treatment
Key Facts - Out-patient Charges
Complementary medicine
Option 8 - Reduced out-patient cover - No	In full when recommended by and under the overall control of the treating Specialist.
Option 8 - Reduced out-patient cover - Yes	Option - Reduced out-patient cover Only on a Specialist referral. Subject to a combined o/p benefit limit of £1,000
Diagnostic tests (excluding scans)
Option 8 - Reduced out-patient cover - No	In full
Option 8 - Reduced out-patient cover - Yes	Option - Reduced out-patient cover Subject to a combined out-patient benefit limit of £1,000
GP referred consultations
	In full for acute conditions only
Option 2 - GP Referred Services - Yes	Option 2 - GP Referred Services (overall limit of £1,000 per one yr period of cover) For non-acute conditions, Specialists' fees for consultations and diagnostic tests (for example diabetes, epilepsy, hypertension, glaucoma)
Option 8 - Reduced out-patient cover - Yes	Option - Reduced out-patient cover Subject to a combined out-patient benefit limit of £1,000
Physiotherapy consultant referred
Option 8 - Reduced out-patient cover - No	In full
Option 8 - Reduced out-patient cover - Yes	Option - Reduced out-patient cover Only on a Specialist referral. Subject to a combined o/p benefit limit of £1,000
Physiotherapy GP referred
Option 2 - GP Referred Services - No	Not covered
Option 2 - GP Referred Services - Yes	Option 2 - GP Referred Services (Overall limit of £1,000 per one yr period of cover) GP referred Physiotherapy, Osteopathy, Chiropractic and Acupuncture treatment is limited to ten sessions per condition in combined total, GP referred chiropodist, podiatrist or homeopathy, Minor surgery by a GP up to £70 per procedure (payable to GP)
Psychiatric cover
Option 8 - Reduced out-patient cover - No	Limited to £1,000 on a GP referral to a Psychiatric Therapist or to Specialist (must be authorised in writing by us before treatment is taken)
Option 8 - Reduced out-patient cover - Yes	Option - Reduced out-patient cover Only on a GP referral to a Psychiatric Therapist or to Specialist. Subject to a combined o/p benefit limit of £1,000
Radiotherapy / Chemotherapy
Option 8 - Reduced out-patient cover - No	In full
Option 8 - Reduced out-patient cover - Yes	Option - Reduced out-patient cover In full but only if carried out at a diagnostic centre
Scans - MRI / CT / PET
Option 8 - Reduced out-patient cover - No	In full
Option 8 - Reduced out-patient cover - Yes	Option - Reduced out-patient cover In full but only if carried out at a diagnostic centre
Surgical Procedures
	Covered - Specialists' fees subject to AVIVA guidelines
Key Facts - Additional Benefits
NHS cash benefit
	£100 per night up to 25 nights per person per policy year
Nursing at home
	In full on Specialist recommendation following eligible in-patient or day-patient treatment.
Parental accommodation
	In full (Child under 12 undergoing eligible treatment; 1 parent only)
Primary care
	Up to £150 combined per year for Consultations and Diagnostic tests for the ongoing maintenance of chronic conditions (including diabetes, epilepsy, hypertension, glaucoma), radiology and pathology or out-patient treatment by an Orthopaedic Physician on GP referral
Private ambulance
	In full (reasonable charges)
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	Until the earlier of the renewal following their 24th birthday, or their marriage.
Chiropractors & Osteopaths
	In full - must be Specialist referred with Specialist to remain in direct control
Option 2 - GP Referred Services - Yes	Option 2 - GP Referred Services (Overall limit of £1,000 per one yr period of cover) In full - must be specialist referred with Specialist to remain in direct control. However, if GP referred up to 10 sessions max pa for Chiropractic and Osteopathic treatment
Option 8 - Reduced out-patient cover - Yes	Option - Reduced out-patient cover Only on a Specialist referral. Subject to a combined o/p benefit limit of £1,000
Dental treatment
Option 7 - Selected Benefit Reduction - No	Oral surgery only
Option 4 - Optical & Dental - Yes	Option 4 - Optical & Dental Routine dental treatment carried out in dental surgery, up to £450 with a £50 excess. Excess does not apply to accidental dental injury. Accidental dental benefit up to £600 with the first £50 per person per policy year deducted from this benefit. Oral surgical procedures covered outside of Option 4
Option 7 - Selected Benefit Reduction - Yes	Option - Selected Benefit Reduction Oral surgical procedures - Removed
Discretionary Benefit Option (DBO)
	Not applicable
GP minor surgery
Option 2 - GP Referred Services - No	Not covered
Option 2 - GP Referred Services - Yes	Option 2 - GP Referred Services (Overall limit of £1,000 per one yr period of cover) GP referred Physiotherapy, Osteopathy, Chiropractic and Acupuncture treatment is limited to ten sessions per condition in combined total, GP referred chiropodist, podiatrist or homeopathy, Minor surgery by a GP up to £70 per procedure (payable to GP)
GP Referred Chiropody, Podiatry or Homeopathy
Option 2 - GP Referred Services - No	Not covered
Option 2 - GP Referred Services - Yes	Option 2 - GP Referred Services (Overall limit of £1,000 per one yr period of cover) GP referred treatment by a Chiropodist, Podiatrist or Homeopath
Hospice donation
	£70 per day donation to hospice up to 10 Days
Infertility investigations
Option 7 - Selected Benefit Reduction - No	Reasonable costs into the cause of infertility
Option 7 - Selected Benefit Reduction - Yes	Option - Selected Benefit Reduction Infertility investigations - Removed
Maternity cash benefit
	£100 each birth (provided expectant mother has been a member for 10 months)
Optional cash benefit
	Not applicable
Out of pocket expenses
	Not covered
Overseas cover
Option 7 - Selected Benefit Reduction - No	Emergency in-patient and day-patient cover when temporarily abroad for a period of up to 90 days.
Option 7 - Selected Benefit Reduction - Yes	Option - Selected Benefit Reduction Emergency overseas cover - Removed
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
Option 7 - Selected Benefit Reduction - No	Complications of pregnancy and childbirth are covered if arising at least 10 months after the mother's entry on the policy
Option 7 - Selected Benefit Reduction - Yes	Option - Selected Benefit Reduction Complications of pregnancy and childbirth - Removed
Stress counselling helpline
	Telephone counselling, unlimited calls 24/7 for 16+ years only to use
Transplants
	In full
Other benefits
	Cancer Pledge Post surgery services: Includes specialist services immediately following surgery, such as consultations with a dietician or stoma nurse Up to £100 towards the cost of a wig if one is needed due to hair loss caused by cancer treatment, once per member, not per policy year Up to £5,000 towards the cost of the first external prosthesis following surgery for cancer Cover for Stem cell and bone marrow transplants, Including collection, storage and implantation Up to ten years monitoring and up to five years on-going needs, such as regular replacement of tubes or drains (out-patient policy limits would be applied) Preventative treatment for cancer (see policy wording for eligibility) NHS cancer cash benefit - for treatment that would have been covered by the policy we’ll pay £100 for in-patient or day-patient treatment for cancer; out-patient radiotherapy, chemotherapy, blood transfusions or surgical procedures; £100 each day for intravenous chemotherapy at home and £100 each week if you’re taking oral chemotherapy drugs at home. You can’t claim more than £100 each day End of Life care * In a hospital if it is medically necessary - covered * £100 per night, up to £10,000 - Donation to a hospice * £50 per day, up to £10,000 - Donation to a registered charity
Option 4 - Optical & Dental - Yes	Option 4 - Optical & Dental Optical benefit up to £300 with the first £50 per person per policy year deducted from this benefit.

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

In full

Surgeon / Consultant / Specialist & Anaesthetists fees

Paid in full (subject to AVIVA fee guidelines for Specialists)

Physicians fees & diagnostic tests

In full

Cancer Treatment Costs - Chemotherapy / Radiotherapy

In full (See AVIVA Cancer Pledge below)

Psychiatric treatment

Option 1 - Psychiatric cover - None

Not covered

Option 1 - Psychiatric cover - 28 Days

Option 1a - Psychiatric cover
Maximum of 28 days combined in/day-patient treatment per policy year

Option 1 - Psychiatric cover - 45 Days

Option 1b - Psychiatric cover
Maximum of 45 days combined in/day-patient treatment per policy year

Six week option

Option 5 - Six Week Option - No

Available but not selected

Option 5 - Six Week Option - Yes

Option 5 - Six week option
Employees will still have the benefit of prompt cover should a GP refer a group member to a Specialist for a consultation. And, if subsequent eligible treatment as an out-patient is required, that is covered too. The difference is that if the NHS delay for any in-patient or day-patient treatment is less than six weeks they will need to use NHS facilities as a non-paying patient or self-fund any private treatment

Key Facts - Out-patient Charges

Complementary medicine

Option 8 - Reduced out-patient cover - No

In full when recommended by and under the overall control of the treating Specialist.

Option 8 - Reduced out-patient cover - Yes

Option - Reduced out-patient cover
Only on a Specialist referral. Subject to a combined o/p benefit limit of £1,000

Diagnostic tests (excluding scans)

Option 8 - Reduced out-patient cover - No

In full

Option 8 - Reduced out-patient cover - Yes

Option - Reduced out-patient cover
Subject to a combined out-patient benefit limit of £1,000

GP referred consultations

In full for acute conditions only

Option 2 - GP Referred Services - Yes

Option 2 - GP Referred Services (overall limit of £1,000 per one yr period of cover)
For non-acute conditions, Specialists' fees for consultations and diagnostic tests (for example diabetes, epilepsy, hypertension, glaucoma)

Option 8 - Reduced out-patient cover - Yes

Option - Reduced out-patient cover
Subject to a combined out-patient benefit limit of £1,000

Physiotherapy consultant referred

Option 8 - Reduced out-patient cover - No

In full

Option 8 - Reduced out-patient cover - Yes

Option - Reduced out-patient cover
Only on a Specialist referral. Subject to a combined o/p benefit limit of £1,000

Physiotherapy GP referred

Option 2 - GP Referred Services - No

Not covered

Option 2 - GP Referred Services - Yes

Option 2 - GP Referred Services (Overall limit of £1,000 per one yr period of cover)
GP referred Physiotherapy, Osteopathy, Chiropractic and Acupuncture treatment is limited to ten sessions per condition in combined total, GP referred chiropodist, podiatrist or homeopathy, Minor surgery by a GP up to £70 per procedure (payable to GP)

Psychiatric cover

Option 8 - Reduced out-patient cover - No

Limited to £1,000 on a GP referral to a Psychiatric Therapist or to Specialist (must be authorised in writing by us before treatment is taken)

Option 8 - Reduced out-patient cover - Yes

Option - Reduced out-patient cover
Only on a GP referral to a Psychiatric Therapist or to Specialist. Subject to a combined o/p benefit limit of £1,000

Radiotherapy / Chemotherapy

Option 8 - Reduced out-patient cover - No

In full

Option 8 - Reduced out-patient cover - Yes

Option - Reduced out-patient cover
In full but only if carried out at a diagnostic centre

Scans - MRI / CT / PET

Option 8 - Reduced out-patient cover - No

In full

Option 8 - Reduced out-patient cover - Yes

Option - Reduced out-patient cover
In full but only if carried out at a diagnostic centre

Surgical Procedures

Covered - Specialists' fees subject to AVIVA guidelines

Key Facts - Additional Benefits

NHS cash benefit

£100 per night up to 25 nights per person per policy year

Nursing at home

In full on Specialist recommendation following eligible in-patient or day-patient treatment.

Parental accommodation

In full (Child under 12 undergoing eligible treatment; 1 parent only)

Primary care

Up to £150 combined per year for Consultations and Diagnostic tests for the ongoing maintenance of chronic conditions (including diabetes, epilepsy, hypertension, glaucoma), radiology and pathology or out-patient treatment by an Orthopaedic Physician on GP referral

Private ambulance

In full (reasonable charges)

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

Until the earlier of the renewal following their 24th birthday, or their marriage.

Chiropractors & Osteopaths

In full - must be Specialist referred with Specialist to remain in direct control

Option 2 - GP Referred Services - Yes

Option 2 - GP Referred Services (Overall limit of £1,000 per one yr period of cover)
In full - must be specialist referred with Specialist to remain in direct control. However, if GP referred up to 10 sessions max pa for Chiropractic and Osteopathic treatment

Option 8 - Reduced out-patient cover - Yes

Option - Reduced out-patient cover
Only on a Specialist referral. Subject to a combined o/p benefit limit of £1,000

Dental treatment

Option 7 - Selected Benefit Reduction - No

Oral surgery only

Option 4 - Optical & Dental - Yes

Option 4 - Optical & Dental
Routine dental treatment carried out in dental surgery, up to £450 with a £50 excess. Excess does not apply to accidental dental injury.
Accidental dental benefit up to £600
with the first £50 per person per policy year deducted from this benefit.
Oral surgical procedures covered outside of Option 4

Option 7 - Selected Benefit Reduction - Yes

Option - Selected Benefit Reduction
Oral surgical procedures - Removed

Discretionary Benefit Option (DBO)

Not applicable

GP minor surgery

Option 2 - GP Referred Services - No

Not covered

Option 2 - GP Referred Services - Yes

GP Referred Chiropody, Podiatry or Homeopathy

Option 2 - GP Referred Services - No

Not covered

Option 2 - GP Referred Services - Yes

Option 2 - GP Referred Services (Overall limit of £1,000 per one yr period of cover)
GP referred treatment by a Chiropodist, Podiatrist or Homeopath

Hospice donation

£70 per day donation to hospice up to 10 Days

Infertility investigations

Option 7 - Selected Benefit Reduction - No

Reasonable costs into the cause of infertility

Option 7 - Selected Benefit Reduction - Yes

Option - Selected Benefit Reduction
Infertility investigations - Removed

Maternity cash benefit

£100 each birth (provided expectant mother has been a member for 10 months)

Optional cash benefit

Not applicable

Out of pocket expenses

Not covered

Overseas cover

Option 7 - Selected Benefit Reduction - No

Emergency in-patient and day-patient cover when temporarily abroad for a period of up to 90 days.

Option 7 - Selected Benefit Reduction - Yes

Option - Selected Benefit Reduction
Emergency overseas cover - Removed

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

Option 7 - Selected Benefit Reduction - No

Complications of pregnancy and childbirth are covered if arising at least 10 months after the mother's entry on the policy

Option 7 - Selected Benefit Reduction - Yes

Option - Selected Benefit Reduction
Complications of pregnancy and childbirth - Removed

Stress counselling helpline

Telephone counselling, unlimited calls 24/7 for 16+ years only to use

Transplants

In full

Other benefits

Cancer Pledge
Post surgery services: Includes specialist services immediately following surgery, such as consultations with a dietician or stoma nurse
Up to £100 towards the cost of a wig if one is needed due to hair loss caused by cancer treatment, once per member, not per policy year
Up to £5,000 towards the cost of the first external prosthesis following surgery for cancer
Cover for Stem cell and bone marrow transplants, Including collection, storage and implantation
Up to ten years monitoring and up to five years on-going needs, such as regular replacement of tubes or drains (out-patient policy limits would be applied)
Preventative treatment for cancer (see policy wording for eligibility)
NHS cancer cash benefit - for treatment that would have been covered by the policy we’ll pay £100 for in-patient or day-patient treatment for cancer; out-patient radiotherapy, chemotherapy, blood transfusions or surgical procedures; £100 each day for intravenous chemotherapy at home and £100 each week if you’re taking oral chemotherapy drugs at home. You can’t claim more than £100 each day
End of Life care
* In a hospital if it is medically necessary - covered
* £100 per night, up to £10,000 - Donation to a hospice
* £50 per day, up to £10,000 - Donation to a registered charity

Option 4 - Optical & Dental - Yes

Option 4 - Optical & Dental
Optical benefit up to £300
with the first £50 per person per policy year deducted from this benefit.


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