Aviva Private Healthcare: A Comprehensive Guide to Getting the Best Price
Navigating the world of private health insurance can feel overwhelming. Aviva Private Health Insurance is a well-regarded provider in the UK, offering various plans that cater to different needs. In this guide, we’ll explore the coverage options, pricing structures, and valuable tips to ensure you get the best price for your Aviva Private Health Insurance policy.
Coverage Options
Aviva offers three primary levels of coverage to suit different needs and budgets:
Core Cover includes:
- Consultations and/or treatment with a specialist
- Diagnostic tests
- Hospital charges
- Full cancer cover
- Out-patient mental health treatment
Enhance Cover allows additional benefits, such as:
- Dental and optical cover
- Mental health treatment (day-patient and inpatient care)
- Extended hospital list (in Greater London)
- Access to alternative treatments (e.g., physiotherapy, osteopathy, chiropractic, acupuncture)
- No claim discount protection
Reduce Cover options include:
Six-week wait option for NHS treatment
Policy excess options (£100 to £5,000)
Reduced hospital lists
Understanding these options allows you to choose a policy that aligns with your healthcare requirements.
Cost and Premiums
The cost of Aviva Private Health Insurance can vary widely depending on factors such as age, lifestyle, and coverage level. Here's a breakdown of the average monthly premiums:
- Average Monthly Cost: Ranges from £40.73 to £78.87.
- Age-Based Premiums:
- 20 years old: £20.63
- 25 years old: £25.74
- 30 years old: £30.22
- 35 years old: £36.23
- 40 years old: £42.85
- 45 years old: £49.18
- 50 years old: £55.64
- 55 years old: £64.66
- 60 years old: £77.73
Knowing this pricing structure helps you budget accordingly.
Discounts and Savings
Aviva provides several ways to save on your premiums:
- MyHealthCounts: This program encourages proactive health management, rewarding members with discounts of up to 15% on their policy renewal based on healthy lifestyle choices.
- MyWellbeingDiscounts: Aviva offers discounts on gym memberships and wellness programs, benefiting those who stay active.
Customer Service and Reviews
Aviva is known for its exceptional customer service, receiving positive reviews across platforms like Trustpilot (4.7 out of 5) and Feefo (4.6 out of 5). Customers often mention the supportive and knowledgeable support team, especially during the claims process.
Additional Benefits
Aviva’s policies come with several additional perks that enhance their value:
- 24/7 Stress Counselling Helpline available for all members over 16.
- Aviva Digital GP App offers five video consultations a year with a licensed GP, providing convenient access to healthcare.
Tips for Getting the Best Price
Assess Your Healthcare Needs:
- Identify what healthcare services are essential for you and your family.
- Determine a budget that reflects your financial situation.
Research Available Aviva Options:
- Visit the Aviva website to explore diverse policy offerings.
- Look for available discounts and add-ons that may suit your needs.
Compare with Competitors:
- Take advantage of comparison tools like MoneySuperMarket to evaluate Aviva’s offerings against other providers.
Tailor Your Policy:
- Adjust core cover options based on your needs and how much you're willing to pay.
- Consider including optional benefits that enhance coverage.
Take Advantage of Discounts:
- Utilize the MyHealthCounts service for potential premium reductions.
- Join fitness programs through the MyWellbeingDiscounts initiative.
Consult with Experts:
- Speak with insurance advisors to help you navigate your options and apply for the best coverage.
By leveraging these insights, you can minimize costs while maximizing the benefits of your Aviva Private Health Insurance policy.
Conclusion
Choosing health insurance is a significant decision that impacts your personal and financial wellness. With Aviva's array of options and valuable benefits, safeguarding your health can be both comprehensive and affordable.
Disclaimer: This article is for informational purposes only. Please consult a professional before making any decisions concerning health insurance.
Next Steps
Evaluate Your Healthcare Needs: Determine the specific healthcare services crucial for you and your family, allowing you to choose the most suitable Aviva Private Healthcare plan that fits your needs.
Explore Aviva Options: Visit the Aviva website to review the various plans and coverage levels while keeping an eye out for discounts that could save you money.
Utilize Comparison Tools: Use online resources like MoneySuperMarket to compare Aviva Private Healthcare with other competitors, ensuring you secure the best price possible for your coverage.
- Consult with Insurance Professionals: Before finalizing your decision, reach out to healthcare insurance advisors who can provide tailored guidance and help you navigate the specifics of Aviva Private Healthcare.
Disclaimer: Always consult with a healthcare professional or insurance advisor before making changes to your health insurance plan.