Health insurance policy overview

Summary of health cover

Below you will find a summary of  what is covered and what we don’t cover under this insurance. To read full details of our health insurance product, links to the documentation are available at the bottom of this page.

What's covered?

Our private health insurance covers acute conditions that start after your policy begins. Here are some of the benefits included in our core cover. For the full list of benefits, conditions and exclusions, see our Healthier Solutions terms and conditions.

Out-patient treatment

  • Consultations with a fee approved specialist
  • X-rays
  • Scans
  • Electrocardiograms (ECG)
  • Cancer treatment and palliative care

In-patient or day-patient treatment

  • Hospital fees at a private hospital on your list
  • Specialists' fees up to the limits of our fee schedule
  • Diagnostic tests
  • Cancer treatment

Cover options to suit you

Healthier Solutions give you the ability to tailor health cover to suit your needs or budget. Enhance the cover with additional benefits or reduce premiums by adjusting benefits. For the full facts download and read the Healthier Solutions brochure.

Enhance your cover by adding:

  • A protected no claim discount
  • Other treatment and therapies referred by your GP
  • Dental and optical cover
  • Extended hospital list
  • Mental health treatment

By enhancing your insurance cover the premium will increase

Reduce your premium with:

  • A member excess, payable towards the cost of your claims
  • Reduced hospital lists
  • Reduced out-patient cover
  • Six week option, which means you won’t be able to claim for in-patient or day-patient treatment, NHS cash benefit, NHS cancer cash benefit, or the cost of an amenity bed, if the NHS can treat you within six weeks from the date your specialist recommends it

What isn’t covered?

Like most private health insurance policies, we don't cover pre-existing conditions, and how we deal with previous conditions depends on the type of underwriting that you choose. There are also some specific treatments and conditions not covered. See our summary of exclusions, or download the policy Terms & Conditions for full details, available at the bottom of this page.

Extra benefits

Once you have Aviva’s private health insurance, you’ll get access to a whole range of customer benefits, including:

Receive a competitive private health quote by completing our simple form
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Health Insurance Document Downloads

Family Brochure
Terms & Conditions
Family Promo

Summary of exclusions

Like most private health insurance policies, this policy will not cover pre-existing conditions. The way we handle previous conditions will be dependent on the type of underwriting that you select. There are also some specific treatments and conditions that aren’t covered by our health insurance, for full details, read the Healthier Solutions terms & conditions, the link is available in the downloads section above.

The list below is a summary of the exclusions and you can find a more extensive list in the Healthier Solutions terms and conditions, available as a PDF to download, see above.

  • Cosmetic treatment (except following an accident or surgery for cancer)
  • Experimental treatment (limited benefit may be available - please contact us)
  • Pre-existing conditions (unless we have expressly included treatment relating to them)
  • Professional sports injuries
  • Treatment undertaken by a specialist without GP referral
  • Treatment for pregnancy or childbirth, although some complications are covered, as detailed in the terms and conditions, provided the mother has been on the policy for at least 10 months
  • Treatment directly or indirectly related to birth control
  • Diagnostic tests and treatment for infertility
  • Treatment required as a result of war, terrorism, contamination by radioactivity, biological or chemical agents
  • AIDS/HIV and related conditions
  • Alcoholism, alcohol abuse, drug abuse, solvent abuse and other addictive conditions
  • Kidney dialysis
  • Psycho-geriatric conditions
  • Self-inflicted injury
  • Sexual dysfunction
  • Sleep disorders and sleep problems such as snoring and sleep apnoea
  • Surgical or medical appliances such as neurostimulators (e.g: cochlear implants) and crutches treatment for warts, verrucas or skin tags
  • Weight loss surgery
  • Charges by a GP, medical practitioner or specialist for completion of a claim form unless the claim is confirmed by us
  • Long term or chronic conditions (this exclusion does not apply to treatment for cancer)
  • Take-home drugs and dressings
  • Varicose veins of the leg, unless they meet the criteria detailed in the terms and conditions
  • Treatment outside a specified network. Contact us for details of the health treatment networks as they are under constant review. Call us on 01306 734100, 9.30 - 5pm, Monday - Friday (closed bank holidays), or use our contact form