Aviva Health Insurance: Comprehensive Coverage for Your Health Needs
Aviva Health Insurance is a well-designed private health insurance program aimed at providing swift access to essential healthcare services. It caters to a multitude of health conditions, covering acute illnesses, accidents, and even cancer, ensuring policyholders have access to additional benefits like mental health support and wellness services. In this article, we’ll delve into the key features, types of cover, tips to secure the best price, and much more about Aviva Health Insurance.
Key Features of Aviva Health Insurance
Aviva Health Insurance comes with several key features that differentiate it from other providers:
- 24/7 Access to GP Services: With Aviva's Digital GP app, policyholders can consult with licensed GPs via video calls at any hour.
- Stress Counselling Helpline: This service, available for members aged 16 and older, provides vital support for mental health challenges.
- MyHealthCounts: An online tool that allows members to monitor their health, helping them qualify for discounts (up to 15%) on renewal premiums.
- Get Active Program: Members can avail discounts on gym memberships and lifestyle products via partnerships with over 3,000 health and fitness clubs.
- Cancer Cover: Aviva offers £5,000 cash payout upon diagnosis, along with a dedicated cancer advice helpline and a second medical opinion service.
Types of Cover
Aviva Health Insurance offers a variety of coverage options to cater to diverse health needs:
- Hospital Fees: Covers both inpatient and outpatient treatments.
- Specialists’ Fees: Includes consultations and treatments from specialists.
- Diagnostic Tests: Coverage for CT, MRI, and PET scans.
- Radiotherapy/Chemotherapy: Comprehensive cancer treatment coverage.
- Home Nursing: Offers support for recovery at home.
- Private Ambulance: Coverage for emergency transportation.
Exclusions
It’s also crucial to be aware of certain exclusions in Aviva Health Insurance policies:
- AIDS/HIV Treatment
- Addiction and Substance Misuse Treatment
- Birth Control
- Self-inflicted Injury
- Sexual Dysfunction
- Cosmetic Treatment
- Lipoedema
- Hearing Loss
- Overseas Treatment
Medical Underwriting Options
Aviva provides different medical underwriting options to best fit your situation:
- Full Medical Underwriting (FMU): This option excludes pre-existing conditions.
- Moratorium (Mori): Temporarily excludes pre-existing conditions for a set time.
- Continued Medical Exclusions (CME): For individuals transitioning from another policy.
- Continued Moratorium: For those switching from a moratorium-based policy.
- Medical History Disregarded (MHD): No personal medical exclusions for those coming from a company scheme.
Business Health Insurance
Aviva also caters to businesses with health insurance solutions for different company sizes, covering employees ranging from 1-249 (Solutions plan) to 250+ (Optimum plan). These policies focus on acute conditions, cancer, and mental health while also incorporating wellbeing services.
Tips for Getting the Best Price on Aviva Health Insurance
1. Understand Your Needs
Evaluate your health needs to select a policy that encompasses essential coverage areas, considering options like dental or optical cover.
2. Choose the Right Underwriting Option
Consider Full Medical Underwriting if you have pre-existing conditions, as this option can help potentially lower premiums.
3. Utilize No Claims Discounts
Aviva rewards policyholders with significant discounts (up to 75%) for no claims. Adding a Protected No Claims Discount can preserve your discount level even after making a claim.
4. Opt for the Six Week Option
Selecting this option allows you to utilize NHS services for the first six weeks, leading to lower premiums.
5. Compare Policies
Always compare Aviva’s plans with those from other leading providers like AXA, Bupa, and Vitality for the best deal.
6. Leverage Additional Benefits
Utilize tools like MyHealthCounts and engage in the Get Active Program to potentially lower your premiums while enhancing your wellbeing.
By employing these tips, you can customize your Aviva Health Insurance policy to meet your personal needs while optimizing costs.
Conclusion
Choosing a health insurance plan is a significant decision that impacts both your medical and financial wellbeing. Aviva Health Insurance provides a robust coverage option that addresses various health needs. To get informed and make the best choice for your healthcare coverage, consider exploring more about health insurance strategies here.
Disclaimer: This article is for informational purposes only. Please consult a professional before making any decisions concerning health insurance.
Next Steps
Evaluate Your Health Needs: Begin by assessing your personal health requirements to determine which Aviva Health Insurance policy aligns with your needs. Consider including additional cover options like dental or optical insurance if necessary.
Compare Aviva Health Insurance Plans: Use online comparison tools to evaluate Aviva’s offerings against other major providers such as AXA, Bupa, and Vitality. This will help you identify the best price and coverage suited for you.
Consider Underwriting Options: Review Aviva’s medical underwriting choices carefully. Selecting the right option, such as Full Medical Underwriting, can optimize your premiums and better suit your health history.
- Maximize Benefits and Discounts: Engage in programs like MyHealthCounts and the Get Active Program to enhance your wellbeing while possibly lowering your premiums. These initiatives not only promote health but can lead to significant savings on your Aviva health insurance.
Disclaimer: Always consult with a healthcare professional or insurance advisor before making changes to your health insurance plan.