Aviva are one of the UK’s largest insurance providers and is a popular choice for individuals looking for Private Medical Insurance, due to their award winning individual Private Medical Insurance product, Healthier Solutions.

Healthier Solutions is an attractive product to those looking for a comprehensive private health insurance policy. This policy offers benefits and features that you can tailor in order to create a bespoke policy to cover your individual needs as well as your budget. 

Overview of the cover provided by Aviva’s Healthier Solutions

Every Healthier Solutions policy starts with their ‘Core Cover’, which is the only mandatory part of the product. Their ‘Core Cover’ offers an extensive range of benefits, including:

• Cover for hospital charges at hospitals on your chosen list
• Specialists’ fees (up to Aviva’s fee limits)
• Diagnostics tests (such as MRI scans, blood tests and X-rays) are covered
• Cancer treatment and palliative care as explained in their Cancer Pledge pages

You then have the option to either upgrade your level of cover or reduce your level of cover by choosing from a range of options.

Options that will upgrade your level of cover and increase premiums with Healthier Solutions.

• Psychiatric in and day-patient cover
• Other treatments and therapies (includes GP referred physiotherapy, osteopathy, chiropractic and acupuncture treatment and up to £100 per procedure for GP minor surgery).
• Dental and optical cover (to help cover the cost of routine dental expenses, accidental dental injuries and optical expenses).
• A no claims discount of up to 75% and the option to include protected no claims discount.
• Extended hospital list, which increases the number of available hospitals

Options that will reduce your level of cover and decrease your health insurance premiums.

• Excess option (£100, £200, £500, £1,000, £3,000 or £5,000).
• Reduced out-patient cover of £500 or £1,000.
• Trust or Signature hospital lists – reduces the number of hospitals available. The Signature hospital list is only available in Scotland and Northern Ireland.
• Six Week Option, which means you won’t be able to claim for in-patient or day-patient treatment, or NHS cancer cash benefit, if the NHS can treat you within six weeks.

Other features of the Healthier Solutions cover include a 24 hour GP helpline, 24 hour stress counselling helpline for members aged 16 and over. Their MyHealthCounts programme will help you to manage your health and get a potential premium discount at renewal. You can get up to 15% off of your renewal premium by obtaining your Q-score.  Healthier Solutions also gives you membership discounts at a range of UK gyms and health clubs.

If you would like to find out more about the Healthier Solutions product, please get in touch with SMP Healthcare Ltd today by calling 01245 929129 or email enquires@smphealthcare.com, where a member of our team will be happy to talk through the options, discount offers and answer any queries or questions you may have.

Information sourced from http://www.aviva.co.uk/private-health-insurance/what-can-this-policy-cover.html