Health Insurance
Healthier Solutions is a private medical insurance (PMI) product by Aviva designed to provide flexible healthcare coverage for you and your family. It offers a range of benefits tailored to meet individual needs and budgets, emphasizing faster access to diagnosis and treatment, peace of mind, and minimal disruption to daily life.​
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Health Insurance Documentation
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Core Health Coverage Products
These are the essential benefits included in Healthier Solutions private medical insurance:
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In-Patient and Day-Patient Treatment: Full coverage for hospital treatment, including hospital charges, diagnostic tests, specialist fees, and nursing care.
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Out-Patient Treatment: Includes consultations, diagnostic tests, and GP-referred physiotherapy, osteopathy, and mental health treatment.
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Cancer Treatment: Comprehensive cancer cover, including chemotherapy, radiotherapy, and post-treatment support. There are also financial benefits for NHS stays and palliative care.
Enhanced Cover Options
Optional add-ons to increase the level of cover provided:
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Dental and Optical: Includes routine dental treatment, accidental dental injury treatment, and optical benefits for glasses and contact lenses.
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Mental Health Upgrade: Coverage for in-patient or day-patient mental health treatment (up to 28 days per year).
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Other Therapies: GP-referred treatment from chiropractors, osteopaths, acupuncturists, and physiotherapists (up to 10 sessions).
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Protected No-Claim Discount: Protects your discount even if you make a claim
Hospital And Specialist Care Options
These include guided and self-selected hospital and specialist services:
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Expert Select: A guided approach to hospital selection based on medical needs and ensuring quality care. Aviva manages the entire process, from selecting hospitals to settling bills.
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Hospital Lists: Different options allowing members to choose specific hospitals:
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Key List: Access to 200 private hospitals across the UK.
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Extended List: Provides more hospitals, particularly in Greater London.
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Signature List: For members in Scotland and Northern Ireland, excluding hospitals in England and Wales.
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Trust List: Focuses on NHS private patient units and partnership hospitals.
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Cost Reduction Options
Ways to reduce premiums by limiting coverage:
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Six-Week Option: Defers private treatment if the NHS can provide treatment within six weeks.
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Reduced Out-Patient Cover: Limits out-patient consultations, diagnostics, and treatments to certain amounts (e.g., £1,000 or £500).
Wellbeing Services
These services promote overall health and provide ongoing support:
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MyHealthCounts: An online platform offering personalized health assessments. Members can track their Q score and improve health to earn premium discounts.
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Aviva Digital GP: Offers unlimited video consultations with GPs and the ability to order NHS prescriptions.
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Stress Counselling Helpline: Provides mental health support for members dealing with stress and other mental health issues.
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Get Active: Discounts on memberships at over 3,000 gyms and access to at-home fitness products.
Additional Support For Cancer Patients
Specialized products and services for members undergoing cancer treatment:
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Careology App: A digital platform to manage cancer care, track symptoms, and stay organized during treatment.
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Cancer Care Guide: Offers guidance on cancer treatment, developed in partnership with Macmillan Cancer Support.
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Financial Support: NHS cancer cash benefits and funding for prostheses, wigs, and palliative care.
Some Of Our Trusted Insurance Partners
