Private Medical Insurance

For individuals, families and sole traders

Introducing Healthier Solutions

Healthier Solutions is our award-winning individual private medical insurance (PMI) product designed with your clients in mind. With prompt access to diagnostic tests, eligible private medical treatment at over 400 UK hospitals, it could help reduce some of those lengthy waiting times and help them return to their normal routine sooner. 


Our cover is modular, with a range of options to choose from - so clients can choose the cover that is right for them


A wide range of core benefits including extensive cancer cover as standard - providing support at every stage of cancer treatment

Aviva Digital GP

Get convenient access to GP video consultations and the ability to order repeat NHS prescriptions in-app with free UK delivery (all NHS England exemptions accepted)

Product details

Why Healthier Solutions?

Healthier Solutions is our modular PMI product for individual clients, helping them get prompt, private medical treatment through a nationwide network of UK hospitals. Among the benefits are:

  • Extensive cancer cover is standard on every policy
  • Flexible PMI, with options to help meet your clients’ needs and budgets
  • All levels of cover include some in-patient, day-patient and out-patient treatment costs
  • MyHealthCounts online wellbeing tool - rewarding clients for looking after their health
  • Access to Aviva Digital GP - benefits include 5 video GP consultations per policy year
  • A No Claim Discount (NCD) of up to 75% and the option to include protected NCD which applies to each member, not just the policy
  • Each member can claim up to £250 per year, without affecting the NCD

Flexible, affordable PMI

Healthier Solutions is totally flexible. It has a wide range of options to choose from, so it’s easy for you to increase or decrease cover levels to create the PMI cover that helps to meet your clients’ budgets and needs.

Product benefits

There’s a lot to take on board about the cover available with Healthier Solutions. Our ‘Extra peace of mind’ sales aid can help you explain the modules to clients – but we’ve also broken down the information into 5 overview areas here:

Core cover


Added value benefits included as standard


Explaining our hospital lists

Why Aviva?

What makes our PMI different?

As one of the UK’s leading providers of PMI, we’ve developed cover that helps your clients get prompt access to treatment in quality facilities, as well as helping them to monitor and improve their daily health and fitness.

Depending on what's important to them, they can choose to increase or decrease their cover. Healthier Solutions is designed to be flexible to help meet your clients personal requirements. 

Why choose Healthier Solutions?

  • Fits around your clients’ needs

Not everyone wants the same levels of benefit or identical services. So clients can upgrade or reduce benefit levels according to preference and affordability.

  • Features that are really appreciated

Healthier Solutions does more than cater for illness and injury. It highlights health issues and incentivises improvements in health – from UK gym membership discounts to online programmes such as MyHealthCounts that can help reduce premiums at renewal.

  • Accessibility and choice

We work with specialists and leading hospital groups to create products that provide your clients with quality treatment, when they need it and where it’s convenient.

  • We deliver the service your clients are expecting

We treat our customers as individuals first, and count our numbers second. It’s why we place so much emphasis on in-house clinical expertise to support our claims teams and manage cases, one by one. And it’s one of the reasons why we’ve been recognised as Health Insurance Company of the Year every year since 2010 and in 2018, we won Best Customer Service Provider – a testament to the hard work of our people and our commitment to our customers.

  • We remove the stress from making a claim

If a client needs to claim, we help them focus on what’s important – making a recovery – rather than dealing with paperwork. That’s why we deal with most claims over the phone. Alternatively, they can make a claim on our MyAviva app - available to download from the App Store or Google Play. 

  • We stay abreast of industry issues and evolve our products

We’re committed to making sure our cover and services are in line with the latest health developments and government legislation.

  • Clients can be confident we’ll pay all eligible claims

o    In 2019 we paid out on over 240,000 claims

o    In 2019 we paid over £400 million in health claims.


We’re here to help your clients when they need to make a claim. But it can be reassuring for them to understand how the process works when they’re considering taking out a policy.

Our approach to a very individual matter

If your clients need to claim, they become patients: people whose needs differ from case to case. We know they may not be feeling 100% when they call, and our claims teams will help them every step of the way. That need for individual attention is why we have a dedicated department looking after our PMI claims, with staff who have experience in the relevant fields and can familiarise themselves with the details of each claim they work on.

Specialist expertise and specialist claims support

Because some conditions are more complex than others, we have experienced advisers in dedicated condition-management teams. We also have specialist claims teams focusing on conditions such as:

  • Cardiothoracic
  • Oncology
  • Mental health

This means your clients will talk to experienced staff who can empathise and understand what they’re going through. And clinicians are on hand to give our staff detailed assistance, providing medical advice to make sure patients get the best possible treatment and support.

Helping your clients make a claim

The information to start a claim is in the policy documents, and all claims can be made online via our MyAviva app. However, clients may still want to contact you first for advice. If that happens, we can help you guide them through the 4 simple steps they’ll need to take:


Step 1 – see the GP

Clients need to see their GP as normal, and let them know they have Healthier Solutions cover with Aviva. If their GP recommends they need to see a specialist for further tests or treatment, they’ll need to check with us to make sure they’re covered.


Step 2 – call us

It helps us if your clients have some details to hand when they call, but we always do everything we can to help.

We'll ask for their personal details, including the policy number, a description of the symptoms and condition, what the GP has said, the name of their specialist and where they practice. If your clients are given an open referral, we'll just need to know the type of specialist they’re being referred to. And if we need more information from a GP, we'll do our best to make this happen quickly.

If we have a network for your client's condition or suspected condition, we’ll tell them where they can have their treatment. If your client has the Extended hospital list, they don't have to use our networks.

Call the claims team: 0800 068 5821

Monday to Friday 8am to 8pm, Saturday 8am to 1pm

Calls to and from Aviva may be monitored and/or recorded


Step 3 – update us with treatment details

If the specialist recommends hospital treatment, your client must tell us what treatment has been recommended and the procedure code (CCSD). We’ll then confirm whether the treatment is covered and let them know if they can get it through our networks, at a hospital on their list or at another facility recognised by us.


Step 4 – relax, we’ll settle the invoices

We can settle most eligible bills directly with the hospital. Most specialists send their bills straight to us. If your clients do get a bill at home, they can forward it to us at:

Bill Payment Team,
Aviva Health UK,
Chilworth House,
Templars Way,
SO53 3RY 


If they choose to use our MyAviva app, they will be able to take advantage of its great benefits:   

  • Start a new claim or update an existing one
  • Check policy information, including cover and benefit details
  • View their claims summary, update us on the next stages of their treatment and track the bills paid against their claim
  • Keep track of their excess and outpatient benefits (if applicable)
  • Live Chat directly to one of our claims team without having to pick up the phone

MyAviva is available to download from the App Store or Google Play. Terms and conditions apply and can be read in-app before signing up. Mobile data charges may apply. 

Added value

These features are included at no extra charge with every Healthier Solutions policy. We think they’re appreciated by clients who want to lead healthier lives and have access to useful services that help maintain their wellbeing. They can help you demonstrate the value of having an Aviva PMI policy in place.

  • Access to the Aviva Digital GP app - giving your clients swift and convenient access to 5 GP video consultations, per member per policy year, and the ability to order repeat NHS prescriptions in-app with free UK delivery (all NHS England exemptions accepted). Please note, Aviva Digital GP is available to residents of Great Britain, Northern Ireland, the Channel Islands and the Isle of Man at home or abroad. The terms and conditions and the privacy policy for Aviva Digital GP can be viewed in-app before they sign up. Mobile data charges may apply. Aviva Digital GP is powered by Square Health.*
  • 24-hour stress counselling helpline for members aged 16 and over
  • MyHealthCounts - helping clients manage their health and get a potential premium discount at renewal. Terms and conditions apply
  • Discounts on membership at a range of UK gyms and health clubs. Terms and conditions apply*
  • *These services are non-contractual benefits that can be withdrawn by Aviva at any time.

My Health Counts

How MyHealthCounts works

What’s a Q score?

What’s involved in the 12-week programme?

Helping you sell

We've shared some of our ideas that can help you identify clients, overcome objections, and make it easier to recommend Healthier Solutions.

Target market statement

Finding the right clients

Overcoming objections

Helping your clients to talk about their health

Answering clients’ technical questions

We’re here to help you

Quote and apply

Call us on 0800 158 3348, or email us at

Our Aviva Sales Consultants are on hand to guide you through the process

You can also use our Healthier Solutions premium illustrator as a guide, before getting a more detailed quote.

Lines are open Monday to Friday, 9am to 5pm.

Calls to and from Aviva may be monitored and/or recorded.

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