Home > Aviva - Express Care (and 6)

Aviva - Express Care (and 6)

No longer available to new business customers

Comprehensive cover for in-patient, day-patient and out-patient treatment with additional benefits such as home nursing and emergency overseas cover.

Express Care 6 provides access to prompt consultations with a Specialist should a GP refer a group member for diagnosis. And if eligible treatment as an out-patient is needed, that's covered too. You'll also be able to avoid long waiting lists if a member of staff needs treatment covered by the policy as an in-patient or day-patient. If there's an NHS delay of more than six weeks for the operation or for further eligible treatment required, there is cover for prompt access to to any of the private hospitals on our Select list.

Benefits

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
Six week option
	Six Week Rule With a Express Care 6 policy, benefit for in-patient or day-patient treatment will only be available if that treatment is not available (except for reasons of county of residence or of nationality) to members at an NHS Hospital within six weeks after the date on which the Specialist recommends that treatment (at or following a consultation between you and that specialist). The NHS waiting period must be determined and advised by the Specialist in charge of your treatment
Key Facts - Out-patient Charges
Complementary medicine
	Not covered
Diagnostic tests (excluding scans)
	In full
GP referred consultations
	In full
Physiotherapy consultant referred
	In full
Physiotherapy GP referred
	10 sessions per condition pa combined with Osteopathy and Chiropractic
Psychiatric cover
	Optional
Radiotherapy / Chemotherapy
	In full
Scans - MRI / CT / PET
	In full (as an out-patient CT, MRI or PET scans will only be covered at a Diagnostic Centre)
Surgical Procedures
	Covered - Specialists' fees subject to AVIVA guidelines
Key Facts - Additional Benefits
NHS cash benefit
	£60 per night (up to 25 nights pa)
Nursing at home
	In full (following in-patient treatment or day-patient treatment - on Specialist recommendation
Parental accommodation
	In full (child under 9 years of age - 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
	Up to 24th birthday
Chiropractors & Osteopaths
	In full - must be Specialist referred with Specialist to remain in direct control. GP referred = up to 10 sessions max pa along with Physiotherapy
Dental treatment
	Oral surgery only (all other dental treatment excluded)
GP minor surgery
	Up to £70 per procedure
GP Referred Chiropody, Podiatry or Homeopathy
	Not covered
Hospice care cash benefit
	£70 per day donation to hospice up to 10 Days
Infertility investigations
	Yes (after 2 years of membership)
Maternity cash benefit
	£100 per child (born) per policy year - subject to 10 month qualifying period
Optional cash benefit
	Not covered
Out of pocket expenses
	Not covered
Overseas cover
	Up to 90 day period per policy year
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
	Only for abnormal conditions arising at least 10 months after the date of entry
Stress counselling helpline
	Telephone counselling, unlimited calls 24/7 for 16+ years only to use
Transplants
	In full

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

Six week option

Six Week Rule
With a Express Care 6 policy, benefit for in-patient or day-patient treatment will only be available if that treatment is not available (except for reasons of county of residence or of nationality) to members at an NHS Hospital within six weeks after the date on which the Specialist recommends that treatment (at or following a consultation between you and that specialist). The NHS waiting period must be determined and advised by the Specialist in charge of your treatment

Key Facts - Out-patient Charges

Complementary medicine

Not covered

Diagnostic tests (excluding scans)

In full

GP referred consultations

In full

Physiotherapy consultant referred

In full

Physiotherapy GP referred

10 sessions per condition pa combined with Osteopathy and Chiropractic

Psychiatric cover

Optional

Radiotherapy / Chemotherapy

In full

Scans - MRI / CT / PET

In full (as an out-patient CT, MRI or PET scans will only be covered at a Diagnostic Centre)

Surgical Procedures

Covered - Specialists' fees subject to AVIVA guidelines

Key Facts - Additional Benefits

NHS cash benefit

£60 per night (up to 25 nights pa)

Nursing at home

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

Parental accommodation

In full (child under 9 years of age - 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

Up to 24th birthday

Chiropractors & Osteopaths

In full - must be Specialist referred with Specialist to remain in direct control. GP referred = up to 10 sessions max pa along with Physiotherapy

Dental treatment

Oral surgery only (all other dental treatment excluded)

GP minor surgery

Up to £70 per procedure

GP Referred Chiropody, Podiatry or Homeopathy

Not covered

Hospice care cash benefit

£70 per day donation to hospice up to 10 Days

Infertility investigations

Yes (after 2 years of membership)

Maternity cash benefit

£100 per child (born) per policy year - subject to 10 month qualifying period

Optional cash benefit

Not covered

Out of pocket expenses

Not covered

Overseas cover

Up to 90 day period per policy year

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

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

Stress counselling helpline

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

Transplants

In full


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

ABOUT SSL CERTIFICATES