Solutions offers flexible private medical insurance designed to support employee health and adapt as businesses grow.
Expert Select 
We'll find the most suitable specialist and hospital for the employee's condition, giving them a range to choose from.
Extensive Cancer Cover 
We understand the importance of providing extensive cover and support at every stage of cancer treatment.
Mental Health Pathway 
An end-to-end service based on clinical need, guided by third party case managers, with a range of treatment options — no need for a GP referral.
BackToBetter 
Our service that provides access to musculoskeletal experts, to help get people moving and feeling better as soon as possible — without the need for a GP referral.
Comprehensive cover you can customise for your clients
Clients can start with core cover and then enhance or reduce it over time to match their budget and employee needs. This flexibility makes it easier to offer meaningful benefits to fit the situation.
Core cover includes:
- Cover for acute conditions
Treatment for short-term illnesses or injuries that respond quickly to treatment, and lead to full recovery. - Mental health treatment
Accessible mental health support without delays, no GP referral needed. - Cover for musculoskeletal conditions
Includes BacktoBetter, a third-party case management service helping employees recover and return to work faster. - Cancer cover
Diagnosis, treatment and support for cancer.
Options to enhance cover:
- Mental health upgrade*
This upgrade goes beyond core cover, adding in-patient and day-patient treatment for acute mental health conditions such as clinical depression. Your clients can choose between 28 or 45 days of cover, including specialists' fees for in-patient care.
- Routine and GP referred services
Provides an overall benefit limit of £1,000 per member each policy year, supporting access to routine and GP referred treatments. - Dental and optical cover
Core cover includes eligible surgical dental procedures, but clients can upgrade to include routine dental treatment up to £450, accidental dental injury cover up to £600, and routine optical expenses up to £250. A separate £50 excess applies to both routine dental and optical benefits.
*Note that this option isn’t available for members residing in the Channel Islands, Isle of Wight, Isle of Man, or Northern Ireland.
Options to reduce the cost of cover:
- Six week option
If the NHS can treat employees within six weeks, they won’t be able to claim for in-patient or day-patient treatment (including accident or emergency admissions), NHS cash benefit, NHS cancer cash benefit, or NHS amenity bed costs. - Policy excess
Choose a member excess of £50, £100, £150, £200, £250, or £500. This applies once per member, each policy year, regardless of the number of claims. - Selected benefit reduction
This option removes certain benefits including investigations into infertility causes, treatment for pregnancy and childbirth complications, and surgical dental procedures performed in hospital. - Limit outpatient cover
Reduced hospital list to lower premiums.
Check hospital availability using our hospital list checker.
Differences for businesses with 100 employees or more
For clients with larger workforces, we adapt the policy to better suit their needs. Key differences include:
These adjustments ensure accurate pricing and tailored cover for businesses of this size, helping you deliver solutions that fit your clients' workforce profiles.
Support your clients can rely on
When your employees aren't feeling their best, Solutions offers them expert support when they most need it. This includes extensive cancer care and direct access to both mental health and musculoskeletal treatment through our managed pathways.
Cancer cover
Deliver meaningful support when it matters most, helping your clients guide employees through cancer with expert, compassionate care.
Included as part of core cover, this helps your clients support employees through diagnosis, treatment and recovery with dedicated specialist care.
- Access to diagnosis and treatment to reduce delays
- Dedicated cancer claims team for ongoing support
- Additional services to support employees through treatment and beyond
See how we supported Karin, one of our customers since 2021, with her cancer journey.
The way Aviva supported me during my diagnosis and ongoing treatment is worth an awful lot. Every person I spoke to was just so nice. They were like friends that you hadn’t spoken to in a long time, and that was something I found so incredible. They wished me well and they meant it.
Karin, Aviva Health customer since 2021.
BackToBetter
Support your clients in tackling musculoskeletal issues head on, improving recovery times through early expert intervention.
BackToBetter connects employees to expert clinicians who provide tailored assessments and treatment plans, helping reduce time off work.
- Early clinical intervention to speed up recovery
- Physiotherapy access when it’s clinically needed
- Streamlined process — no need for a GP referral
Explore BackToBetter ""
Mental Health Pathway
Empower your clients to foster wellbeing and reduce absence by offering easy, timely access to mental health support.
Mental Health Pathway removes barriers with direct access to talking therapies and counselling, helping employees get the support they need sooner without GP involvement.
- Rapid assessment and treatment to address issues early
- Unlimited outpatient sessions for ongoing care
- Access to a specialist network including psychologists, psychiatrists and therapists
Digital services designed around your clients
Help your clients get more from their health cover with digital services designed around their needs. From online claims and member self-service to scheme administration and clinical support, our tools make healthcare easier to access, reduce administrative effort and help employees stay engaged with their cover.
Make it easy with MyAviva
Give your clients' employees easy access information, support and wellbeing services with MyAviva. Designed to make managing health cover easier, MyAviva helps members stay informed, connected and in control, all through one secure online account.
With MyAviva, employees can:
- Access their cover and important documents anytime, giving peace of mind.
- Get fast, flexible support that fits their lifestyle through self service tools and live chat.
- Make the most of wellbeing services to boost their health and happiness.
- Stay informed and in control with a simple, accessible way to manage their health cover.
Guiding employees back to health
When it comes to making a claim, our focus is very much on the individual employee concerned. We’re here to help them return to health and get back to work as quickly as possible.
To do this, we’ve created a smooth, stress-free claims process:
- Tailored support for complex claims
We guide employees individually to the right treatment, helping reduce time away from work. - Clinical expertise throughout
Our team uses their experience to ensure each claim is handled with the appropriate care and attention. - Simple and efficient
Most claims are decided over the phone, so employees don’t need to deal with paperwork. - 24/7 online access
Employees can start a claim anytime via MyAviva and manage their policies easily in one place. - Clear oversight for scheme administrators
Claim levels are available online in real time to support effective scheme management.
Make managing Solutions simpler
Managing your clients' cover is straightforward with Aviva Broker Portal. Access key policy information, manage renewals and complete routine tasks online, helping you save time and support your clients more efficiently.
With Broker Portal, you can:
- Manage renewals and quotes
- Access policy documents and invoices
- Update client information
- Get support through live chat
Everything is designed to help you manage your clients quickly and confidently.
Why recommend Aviva?
Private healthcare is a valued perk that your clients’ employees will appreciate and stay loyal for. Our policies, products, and the comprehensive wellbeing support we provide empower you to offer your clients peace of mind, knowing their workforce is cared for without added stress on their business.
Choosing us means more than just managing claims - it means gaining access to timely, practical, emotional, and physical support that benefits your clients and their teams. And that’s just one of the many reasons to recommend our business private medical insurance to your clients.
Clinical excellence is in our DNA
We employ clinicians whose expertise informs every aspect of our work, from creating propositions, pricing products and analysing their impact, to monitoring our claims process and managing our relationships with providers.
Defaqto 5 Star Rating
A Defaqto 5 Star Rating applies to our PMI (Group) products, meaning we provide some of the highest quality offerings on the market.
MyAviva makes it easy
Your client's employees can access their PMI policy through our secure MyAviva platform, either in the app or online. MyAviva offers quick access to view their policy or make a claim, day or night.
Trust Aviva, the UK's biggest insurer
We’ve been supporting businesses for over 325 years. And our strong financial stability and ability to pay obligations to policyholders has been recognised by global credit rating agencies, including S&P, Moody's and AM Best, who have independently assigned investment grade financial strength ratings (AA- / Aa3 / A+) to rated entities.
How to get a Solutions private medical insurance quote
Support your clients with a tailored health insurance solution that reflects their workforce needs. We’ll help you shape the right cover and provide a clear, competitive quote for your client.
We may record or monitor calls, and opening hours may differ depending on the team you need to speak to.
Looking to cover 1-99 employees?
To get a quote or find out more about our private medical insurance for your clients, call us to speak with our team today.
If you have 100 or more employees
You can call or email our team and we’ll be happy to help you find out more about Solutions and get a quote.
More information about our group services
Corporate private medical insurance
Optimum, our private medical insurance for businesses with 100+ employees, gives you a flexible healthcare package tailored to your business, and your employees.
Group Life Insurance
Financial support for loved ones if an employee dies in service, as well as access to everyday health and wellbeing services and legal support.
Group Income Protection
Aviva's Group Income Protection insurance helps employees if they can’t work due to illness or injury, with flexible payment terms for employers.
Group Critical Illness
We pay a lump sum if an employee is diagnosed with a critical illness, undergoes an operation covered by the policy, or for some surgeries, is added to the NHS waiting list, and survives at least 14 days.