Home > Aviva - Health Solutions for Individuals

Aviva - Health Solutions for Individuals

With Health Solutions you have an extensive range of benefits provided as standard with your Core Cover. Then to build a product that fits you or your family's needs, simply say YES to the available options you would like, and NO to any you feel aren't as important. Health Solutions - it's a flexible approach that can save you money and give you private medical insurance cover that's as different as you want it to be. So say YES, to more flexible Private Medical Insurance today.

Upgrade options available are:

Other Treatments and Therapies
Dental and Optical
Extended Hospital List

Options available to reduce your cover are:

Reduced Out-Patient Cover and Selected Benefit Reduction
Reduced Hospital Lists
Six Week Option
Member Excess

Benefits

Reduced Out-patient	All Yes No
GP Referred treatment:	All Yes No
Dental & Optical	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
Psychiatric treatment
	Not covered
Key Facts - Out-patient Charges
Complementary medicine
Reduced Out-patient - No	In full - treatment of an acute condition by a qualified Physiotherapist, Chiropractor or Osteopath on Specialist referral
Reduced Out-patient - Yes	Reduced Out-patient cover for acute conditions & selected Benefit Reduction: Not Covered
Diagnostic tests (excluding scans)
Reduced Out-patient - No	In full - Including pathology, X-rays etc. (out-patient CT, MRI or PET scans will only be covered at a diagnostic centre)
Reduced Out-patient - Yes	Reduced Out-patient cover for acute conditions & selected Benefit Reduction: In full (Only covered if directly leading to or following within 6 months of related eligible in-patient or day-patient treatment, out-patient CT, MRI or PET Scans will only be covered at a diagnostic centre)
GP referred consultations
Reduced Out-patient - No	In full
Reduced Out-patient - Yes	Reduced Out-patient cover for Acute Conditions & selected Benefit Reduction: In full - Limited two consultations per person per year
Physiotherapy consultant referred
Reduced Out-patient - No	In full - treatment of an acute condition by a qualified Physiotherapist, Chiropractor or Osteopath on Specialist referral
Reduced Out-patient - Yes	Reduced Out-patient cover for acute conditions & selected Benefit Reduction: Not Covered
Physiotherapy GP referred
GP Referred treatment: - No	Not covered
GP Referred treatment: - Yes	GP Referred treatment: In Full - on Specialist referral in addition with up to 10 sessions for GP referred physiotherapy treatment, combined total per condition per person per policy year
Psychiatric cover
	Not covered
Radiotherapy / Chemotherapy
	In full
Scans - MRI / CT / PET
Reduced Out-patient - No	In full
Reduced Out-patient - Yes	Reduced Out-patient cover for Acute Conditions & selected Benefit Reduction: In Full - only if leading to or following within 6 months of a related eligible in-patient or day-patient treatment
Surgical Procedures
	Oral surgical procedures covered in full (subject to AVIVA fee guidelines for specialists)
GP Referred treatment: - Yes	GP Referred treatment: Up to £70 per procedure - Minor Surgery, payable to GP in addition to the oral surgical procedures covered in full (subject to AVIVA fee guidelines for specialists)
Key Facts - Additional Benefits
NHS cash benefit
	£60 per night (up to 25 nights per person per policy year)
Nursing at home
	In full (immediately following in-patient treatment or day-patient treatment on Specialist recommendation)
Parental accommodation
	In full when staying with a child covered by the policy (child under 9 years of age undergoing eligible treatment - 1 parent only)
Private ambulance
	In full (reasonable charges)
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	Until the next Review Date following their 24th birthday
Chiropractors & Osteopaths
	In full - treatment of an acute condition by a qualified Chiropractor & Osteopath on Specialist referral
GP Referred treatment: - Yes	GP Referred treatment: In full - on Specialist referral in addition with up to 10 sessions for GP referred Osteopathy and Chiropractic treatment, combined total per condition per person per policy year
Dental treatment
	Oral surgery only (subject to AVIVA's fee guidelines for Specialists)
Reduced Out-patient - Yes	Reduced Out-patient cover for acute conditions & selected Benefit Reduction: Not Covered
Dental & Optical - Yes	Dental & Optical - Optical benefit £200, Accidental dental benefit £600, Routine dental benefit £300 (a £50 excess per person per policy year applies separately to both the routine dental benefit and the optical benefit). Plus oral surgical procedures covered in full (subject to AVIVA fee guidelines for specialists)
Hospice donation
	Donation to the hospice, £70 per day, up to 10 days' care maximum
Infertility investigations
GP Referred treatment: - No	In full (subject to a two year qualifying period and AVIVA fee guidelines for specialists)
GP Referred treatment: - Yes	Reduced Out-patient cover for acute conditions & selected Benefit Reduction: Not Covered
Maternity cash benefit
	£100 per baby born to an insured person (subject to 10 month qualifying period)
Optional cash benefit
Dental & Optical - No	Not covered
Dental & Optical - Yes	Dental - Routine £300 benefit limit (£50 Excess) per person per policy year Accidental dental injury - up to £600 per person per policy year Optical benefit - £200, (£50 excess) per person per policy year
Out of pocket expenses
	Not covered
Overseas cover
GP Referred treatment: - No	Overseas emergency medical cover (when temporarily overseas for up to 90 days per policy year)
GP Referred treatment: - Yes	Reduced Out-patient cover for acute conditions & selected Benefit Reduction: Not Covered
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
GP Referred treatment: - No	Only for abnormal conditions arising at least 10 months after the date of entry
GP Referred treatment: - Yes	Reduced Out-patient cover for acute conditions & selected Benefit Reduction: Not Covered
Transplants
	Not covered

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

Psychiatric treatment

Not covered

Key Facts - Out-patient Charges

Complementary medicine

Reduced Out-patient - No

In full - treatment of an acute condition by a qualified Physiotherapist, Chiropractor or Osteopath on Specialist referral

Reduced Out-patient - Yes

Reduced Out-patient cover for acute conditions & selected Benefit Reduction:
Not Covered

Diagnostic tests (excluding scans)

Reduced Out-patient - No

In full - Including pathology, X-rays etc. (out-patient CT, MRI or PET scans will only be covered at a diagnostic centre)

Reduced Out-patient - Yes

Reduced Out-patient cover for acute conditions & selected Benefit Reduction:
In full (Only covered if directly leading to or following within 6 months of related eligible in-patient or day-patient treatment, out-patient CT, MRI or PET Scans will only be covered at a diagnostic centre)

GP referred consultations

Reduced Out-patient - No

In full

Reduced Out-patient - Yes

Reduced Out-patient cover for Acute Conditions & selected Benefit Reduction:
In full - Limited two consultations per person per year

Physiotherapy consultant referred

Reduced Out-patient - No

In full - treatment of an acute condition by a qualified Physiotherapist, Chiropractor or Osteopath on Specialist referral

Reduced Out-patient - Yes

Reduced Out-patient cover for acute conditions & selected Benefit Reduction:
Not Covered

Physiotherapy GP referred

GP Referred treatment: - No

Not covered

GP Referred treatment: - Yes

GP Referred treatment:
In Full - on Specialist referral in addition with up to 10 sessions for GP referred physiotherapy treatment, combined total per condition per person per policy year

Psychiatric cover

Not covered

Radiotherapy / Chemotherapy

In full

Scans - MRI / CT / PET

Reduced Out-patient - No

In full

Reduced Out-patient - Yes

Reduced Out-patient cover for Acute Conditions & selected Benefit Reduction:
In Full - only if leading to or following within 6 months of a related eligible in-patient or day-patient treatment

Surgical Procedures

Oral surgical procedures covered in full (subject to AVIVA fee guidelines for specialists)

GP Referred treatment: - Yes

GP Referred treatment:
Up to £70 per procedure - Minor Surgery, payable to GP in addition to the oral surgical procedures covered in full (subject to AVIVA fee guidelines for specialists)

Key Facts - Additional Benefits

NHS cash benefit

£60 per night (up to 25 nights per person per policy year)

Nursing at home

In full (immediately following in-patient treatment or day-patient treatment on Specialist recommendation)

Parental accommodation

In full when staying with a child covered by the policy (child under 9 years of age undergoing eligible treatment - 1 parent only)

Private ambulance

In full (reasonable charges)

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

Until the next Review Date following their 24th birthday

Chiropractors & Osteopaths

In full - treatment of an acute condition by a qualified Chiropractor & Osteopath on Specialist referral

GP Referred treatment: - Yes

GP Referred treatment:
In full - on Specialist referral in addition with up to 10 sessions for GP referred Osteopathy and Chiropractic treatment, combined total per condition per person per policy year

Dental treatment

Oral surgery only (subject to AVIVA's fee guidelines for Specialists)

Reduced Out-patient - Yes

Reduced Out-patient cover for acute conditions & selected Benefit Reduction:
Not Covered

Dental & Optical - Yes

Dental & Optical - Optical benefit £200, Accidental dental benefit £600, Routine dental benefit £300 (a £50 excess per person per policy year applies separately to both the routine dental benefit and the optical benefit). Plus oral surgical procedures covered in full (subject to AVIVA fee guidelines for specialists)

Hospice donation

Donation to the hospice, £70 per day, up to 10 days' care maximum

Infertility investigations

GP Referred treatment: - No

In full (subject to a two year qualifying period and AVIVA fee guidelines for specialists)

GP Referred treatment: - Yes

Reduced Out-patient cover for acute conditions & selected Benefit Reduction:
Not Covered

Maternity cash benefit

£100 per baby born to an insured person (subject to 10 month qualifying period)

Optional cash benefit

Dental & Optical - No

Not covered

Dental & Optical - Yes

Dental - Routine £300 benefit limit (£50 Excess) per person per policy year
Accidental dental injury - up to £600 per person per policy year
Optical benefit - £200, (£50 excess) per person per policy year

Out of pocket expenses

Not covered

Overseas cover

GP Referred treatment: - No

Overseas emergency medical cover (when temporarily overseas for up to 90 days per policy year)

GP Referred treatment: - Yes

Reduced Out-patient cover for acute conditions & selected Benefit Reduction:
Not Covered

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

GP Referred treatment: - No

Only for abnormal conditions arising at least 10 months after the date of entry

GP Referred treatment: - Yes

Reduced Out-patient cover for acute conditions & selected Benefit Reduction:
Not Covered

Transplants

Not covered


Insurer & Benefits:	Insurers, Featured Insurers
Find a broker:	Find a Broker

ABOUT SSL CERTIFICATES