Introducing Healthier Solutions
Healthier Solutions is our individual private medical insurance (PMI) product designed with your clients in mind. With prompt access to eligible diagnostic tests and private medical treatment at a nationwide network of hospitals and clinics, it could help reduce waiting times and help them return to their normal routine sooner.
Expert Select
We'll find the most suitable specialist and hospital for the customer's condition, giving them a range to choose from.
Enhanced cancer cover
We understand the importance of providing extensive cover and support at every stage of cancer treatment.
Wellbeing
Our range of wellbeing services can help your clients to make informed, balanced and positive lifestyle choices.
Find out how we'll help you stay on your A game
The private medical insurance market has grown, and we’re helping you to grow with it – by making sure your clients can put their health and wellbeing first.
That's why we've put together a new page for individual and SME intermediaries, highlighting how our people, our propositions, and our expertise can help you make health insurance click for more of your clients.
Product details
Why Healthier Solutions?
Healthier Solutions is our modular PMI product for individual clients, helping them get 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
- selection of hospital options including Expert Select, our simple option which guides your client to the treatment they need in their local area
- MyHealthCounts digital health and wellbeing tool - rewarding clients for looking after and understanding their health
- access to Aviva Digital GP* - Get the support your clients need from a private GP via the app, with access to unlimited video GP consultations, repeat NHS prescriptions (NHS England exemptions accepted) with free delivery, and access to consultations with a menopause trained health professional. Dependants under 16 can be added to adult member accounts.
- a No Claims 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.
*This is a non-contractual benefit that Aviva can change or withdraw at any time. Provided by a third party.
Flexible, affordable PMI
Healthier Solutions has a wide range of options to choose from, so it’s easy for you to enhance or reduce 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 Healthier Solutions sales aid can help you explain the modules to clients — but we’ve also broken down the information into five overview areas here:
Core cover Show more Show less
Core cover is the starting point for a Healthier Solutions policy. Your clients can then enhance or reduce the cover levels to suit their needs and budget.
With core cover, clients get:
- cover for hospital charges at hospitals covered under their chosen hospital option
- specialists’ fees
- consultations with specialists
- diagnostic tests (such as MRI scans, blood tests and X-rays)
- extensive cancer care, cover for cancer diagnosis, treatment and aftercare as standard - read more about our cancer pledge
- No Claims Discount (NCD) of up to 75%.
Options Show more Show less
Upgrading levels of cover and increasing premiums
Clients can upgrade their policy to provide more extensive cover, although benefit limits do apply. You can see full details of the options in our Healthier Solutions customer brochure.
Upgrades include:
- mental health treatment, up to 28 days as an in-patient or day-patient
- other treatments and therapies – including GP referred physiotherapy, osteopathy, chiropractic and acupuncture treatment and GP minor surgery (up to £100 per procedure)
- dental and optical cover, which helps with the cost of routine dental expenses, accidental dental injuries and optical expenses as a result of a change in prescription
- changing to one of our hospital lists such as the Key and Extended lists
- option to include protected No Claims Discount.
Reducing levels of cover and decreasing premiums
By choosing a reduction in the levels of cover, your clients can pay lower premiums.
Reductions include:
- excess option, which applies a claim excess of £100, £200, £500, £1,000, £3,000 or £5,000 each member every policy year
- reduced out-patient cover - reduced limit to £0, £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 your client 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 for the cost of an NHS amenity bed, if the NHS can treat them within six weeks from the date the specialist recommends it. If the NHS wait is six weeks or more, they can get private treatment without delay.
Networks Show more Show less
For certain conditions, such as cataracts, hip, knee and spine conditions, we offer another level of quality assurance. We’ve set up networks of treatment units, specialising in managing these conditions. We only work with clinicians and medical facilities that meet our quality of care standards.
If your client has chosen Expert Select, we will always use networks to help guide their treatment options but clients that choose a hospital list can still benefit from this service.
More information on networks can be found at aviva.co.uk/health-network.
Explaining our hospital options Show more Show less
Expert Select
Expert Select is designed to take the hassle and stress of making a claim away from your clients.
Backed by our clinical expertise and excellent customer service, when they call in to make a claim, we’ll offer them a choice of hospitals nationally which could include the largest hospital groups. All will be local to them, offering access to a number of specialists.
We base our recommendations on their diagnostic or treatment needs to make sure they get appropriate quality treatment options every time. This gives your clients an informed choice based on clinical need.
Once they’ve had their treatment, we’ll settle their eligible bills in full with the treatment provider which means we can guarantee no shortfalls on any eligible hospital or specialist charges for consultations, tests or treatment.
Alternative hospital options
Hospital lists are an alternative approach and can be a good option for clients who would prefer to choose specific hospitals for their treatment
We have four hospital lists:
Key - Our standard hospital list gives your clients access to around 200 private hospitals across the UK.
Extended - For an extra cost, your clients can upgrade to this list, which gives access to more hospitals, predominantly in the Greater London area.
Signature - Clients can reduce their costs by choosing this list with fewer hospitals. It’s a great option if your clients are based mainly in Scotland and Northern Ireland as this list excludes all hospitals in England and Wales.
Trust - This is a cost-saving option that uses the private patient units of NHS Trust and partnership hospitals. Clients must live in the catchment area of a Trust hospital to qualify.
To see which hospitals are in your clients area, take a look at our hospital list checker.
Renewing Healthier Solutions
Healthier Solutions policies renew annually on the date the policy started. We’ll send renewal documents direct to your clients about 35 days before renewal, and you can ask us to copy you in. Renewal packs include information about any changes in premium, a copy of the policy terms and conditions, a new policy schedule, insurance product information document and details of any changes that apply.
- Clients are notified 35 days before renewal.
- You can choose to be notified too, so you can plan a follow-up call.
- We include details of policy enhancements to help encourage renewals.
Why Aviva?
What makes our PMI different?
As our health insurance is developed and shaped by our team of expert clinicians working closely with hospitals and specialists, we've been able to design cover that helps your clients get 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 enhance or reduce 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. Clients can enhance 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 provides services that help incentivise improvements in health, such as discounted gym membership and access to wellbeing support. They'll also get access to MyHealthCounts, our digital health and wellbeing tool that can help reduce premiums at renewal.
- Accessibility and choice
We work with specialists and 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.
- We can help to 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. Mobile data charges may apply.
- 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.
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 oncology and 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 help give our staff 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.
Making a claim with Expert Select
If your client has chosen Expert Select, there are four, simple steps they'll need to take whenever they make a claim.
Step 1 - Customers ask their GP for an open referral, specifying the type of specialist they need to see without naming one.
Step 2 - We'll give the customer a choice of local medical facilities and consultants who meet our quality requirements.
Step 3 - For some facilities we can book appointments immediately. Alternatively we can transfer customers to the booking team of their chosen facility if they offer this option.
Step 4 - We'll settle all eligible bills in full with the approved provider so your client doesn't have to worry about any unexpected fees.
For all other hospital options
If your client has a hospital list on their policy, they'll need to follow a slightly different but equally straightforward process:
Step 1 – see the GP
Clients should visit their GP if they're feeling unwell. If their GP wants them to see a medical professional then it is simpler for them to ask for an open referral. This simply states their condition and what type of specialist they need and we'll then help them find the most appropriate one for them.
It's really important that they get in touch with us before attending any appointments so we can make sure their claim is covered under the terms and conditions of the policy before they incur any costs.
Step 2 – go online with MyAviva or call us
Your clients can start their claims through MyAviva by simply logging on and clicking on the 'Make a new claim' button. They'll be taken through a series of simple questions which will help us understand and assess their claim.
Alternatively, they can call through to our customer service team. It will be useful for your clients to have some details to hand when they call, such as policy number, a description of the symptoms and condition, details of what the GP has said.
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.
Call the claims team: 0800 068 5821
Monday to Friday 8am to 6.30pm, Saturday 9am 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). They can do this by logging onto MyAviva and selecting the ‘Update my claim’ button on your Health Homepage or by calling us. We’ll then confirm whether the treatment is covered and let them know if they can get it through our networks, at a hospital covered under their hospital option or at another facility recognised by us. We can confirm if a network is available for the route they've been given, on their first call to 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 receive a bill directly, they can forward it to us on HCTEAM1@aviva.com or if they receive it by post they can forward it to us at:
Bill Payment Team,
Aviva Health UK,
Unit 1a, Hampshire Corporate Park,
Templars Way,
Eastleigh
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 and they could receive an instant decision, helping them access their recommended treatment as soon as possible
- update us on an existing claim and view their authorised treatments
- 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.
Wellbeing
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* - Gives your clients swift and convenient access to unlimited GP video consultations, the ability to order repeat NHS prescriptions in-app with free UK delivery (all NHS England exemptions accepted) and access to up to six consultations with a menopause trained health professional. Dependants under 16 can be added to adult member accounts. 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 provided by Square Health.*
- Stress Counselling helpline* - Stress can develop when people feel they are having difficulty with the demands and expectations they face. This is where the Stress Counselling helpline can be useful. Members can talk in confidence to trained counsellors about issues that they feel are causing stress. The service is available to members aged 16 or over.
- Get Active* - Gives your clients access to discounts at a range of health and fitness clubs, online workouts and a variety of other products and services that can enhance a healthy lifestyle. Terms and conditions and the privacy policy can be viewed online before signing up.
- Cancer Care with Get Active* - Your clients can benefit from savings on products and services that can help make a small difference if they or someone close to them is living with cancer. Cancer Care with Get Active provides them with access to discounted products and services that can help with the daily living adjustments a cancer diagnosis and treatment can bring, as well as offers on services and experiences that may enhance quality time spent with family and close friends.
- MyHealthCounts - A digital health and wellbeing tool which can help your clients understand more about how their lifestyle could be influencing their health and receive support tailored to their health profile to make improvements.
- Mental health support* - We can support your clients with mental health guidance. Aviva can help manage and improve mental health by providing helpful information, videos and articles.
*These services are non-contractual benefits that can be changed or withdrawn by Aviva at any time.
MyHealthCounts
Clients who have renewed or started their cover from 14 July 2025 will get access to some new features within MyHealthCounts
For clients renewing from or with a start date of 14 July 2025 Show more Show less
How it works
In addition to earning a potential discount of up to 15% off their renewal premium*, your clients can use MyHealthCounts to gain a greater understanding of their health, and use features to support them on their journey to making improvements.
Your clients will be able to complete a range of health risk assessments provided by Road to Health Group. These will give them more insight into the following conditions:
- Cardiovascular
- Cancer (lung/breast/prostate/colon/skin/stomach)
- Diabetes
- Lung (COPD)
- Dementia
Completing each of the Road to Health Group's health risk assessments will generate a Q Score. The lifestyle risk factors impacting their score will be displayed along with advice on how to make improvements.
Connecting and syncing their health app data (including activity recorded in Apple Health & Google Health Connect) will help them keep track of lifestyle activity and automatically populate progress towards goals they set.
If they complete or update actions listed on their MyHealthCounts dashboard between month 6 and month 9 of their policy year, they could qualify for up to 15% off their renewal premium*.
Any information provided in My HealthCounts won't be used for claims purposes.
More features to enhance health and wellbeing
Your clients can join any of the 12 week programmes and set goals to help them make improvements to lifestyle factors that influence their Q Scores.
When setting a goal they will be invited to share any barriers they are concerned may hinder their achievement. The service will provide helpful content designed to help overcome these barriers.
Achievement badges can be earned as your clients make progress on their MyHealthCounts journey. The more they participate, the more badges they can unlock, helping to boost their sense of wellbeing and the accomplishments they are making towards a healthier, happier self!
You can have a look at the MyHealthCounts site and view the terms and conditions, by visiting myhealthcounts.aviva.co.uk and log in using login code: MHC41.
*We price some of the policy cover options separately, for example, out-patient cover and policy excess. Discounts do not always impact the premium for each cover option in the same way.
This means the impact of a discount on your premium may in some cases be higher or lower than is stated.
We expect the discount impact on premium to be at least as large as stated for around 95 out of 100 customers.
For clients who renewed or had a start date prior to 14 July 2025 Show more Show less
How it works
Once your clients register, they’ll need to spend 10 to 15 minutes completing a questionnaire which asks about their health and lifestyle choices. This will then determine their Q score. The higher their Q score, the more they could potentially earn. They’ll then be offered a 12-week programme which addresses lifestyle choices and helps towards achieving their personal goals.
Based on the information submitted between month 6 and the end of month 9 of their policy year, they could qualify for a discount of up to 15% off their renewal premium*.
MyHealthCounts is available to everyone with a Healthier Solutions policy who is over the age of 18 at the start of the policy year. Any health information provided won’t be used for claims purposes.
What's involved in the 12-week programme?
The 12-week health programme provides a personalised service to help your clients improve their Q Score. It’ll include tailored support to help achieve their personal goals in areas such as physical activity, diet, weight loss, alcohol and smoking.
When your clients sign up to a programme, they’ll get weekly advice on how to improve specific lifestyle factors. They can also set goals and update their progress throughout the 12-week period, which automatically updates their Q score.
Claims explained
Transcript for video Claims explained Show more Show less
There are four simple steps to making a claim.
One. Ask a GP for a referral.
You can talk to your own GP or go through our Aviva Digital GP app.
They’ll refer you for any investigations or treatment you need.
Make sure you tell them you have a private health scheme with us.
For more flexibility around your treatment, ask for an open referral, which names the kind of treatment you need but doesn’t name a specific specialist or hospital.
We can help you with finding a specialist.
If you have BacktoBetter or our Mental Health Pathway, you don’t need a GP referral.
Make sure you contact us before you have any tests or treatment.
That way you’ll know you have the benefit included in your scheme and you won’t end up with any
unexpected costs.
Two. Start your claim.
Simply log into MyAviva, find your policy and click the option to start your claim.
Alternatively, you can call us.
We’ll ask about your symptoms and explain the best next steps.
We aim to make a decision on your claim straight away, explain the tests and treatment we can approve, and give you contact details, so you can book your appointment.
Three. Referrals for more treatment.
If you’re referred for more treatment we haven’t already approved, let us know through MyAviva, so we can check your scheme.
Four. Paying the bills.
We’ll pay the bills we’ve authorised directly with your healthcare provider, so there’s nothing for you to worry about.
If any bills we’ve authorised come your way, just send us a copy and we’ll do the rest.
We’ll let you know if you need to pay any part of a bill.
And that’s it! Four easy steps to make your claim.
It takes Aviva.
MyHealthCounts
Health insurance is a valuable product for any of your clients, helping them cope with ill health when it happens. But we want to help them stay as healthy as they can for as long as they can.
That's why we've enhanced MyHealthCounts, the digital health and wellbeing tool available to Healthier Solutions customers, to help them understand, improve and track their health.
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 Show more Show less
You can find our target market statement here.
Finding the right clients Show more Show less
PMI products can be useful for a wide range of clients – both self-employed and those working for a company. We also hear from many advisers with clients who want to switch from their current PMI provider, and individuals transferring from a group policy to personal cover.
By segmenting your database, you can identify who’s more likely to purchase a policy and then focus on highlighting the benefits of PMI to these clients.
Income-based criteria
Income based criteria are one way of identifying potential PMI clients, as people on a lower income may be less likely to purchase an individual policy. It’s important to take the whole household’s income into consideration. Individuals with very high salaries may have employment-associated cover in place, but it’s worth considering opportunities to review that cover.
TIP: If your client has a policy through their employer, ask whether the policy covers everyone in their family. Do they feel that the benefits cover their needs completely?
Occupation-based criteria
Most people can benefit from access to high-quality medical care, so occupation plays a less significant role in identifying individuals for whom PMI may be attractive. However, many PMI clients are in professional, managerial, or administrative work. Self-employed clients are also likely to be a key target group, as a quicker return to work can make a significant difference to their incomes.
| Professional roles | Doctor, vet, solicitor, engineer, teacher, accountant |
| Managerial roles | Manager/Director positions in any industry |
| Associated professionals | Analyst, consultant, technician, researcher, marketer, graphic designer, nurse, therapist, journalist |
| Sales and service roles | Hairdresser, gym instructor, telesales, bus driver |
| Skilled trades | Builder, electrician, plumber, gardener, mechanic, skilled plant and factory worker |
| Other trades and occupations | General labourer, retail assistant, waiting staff |
TIP: Which professions most appear in your client bank? This can help you target your marketing campaigns.
Overcoming objections Show more Show less
When you show clients an in-depth understanding of how PMI works, and how much impact a policy could have on their lives, they can have more confidence in your recommendation. These are some of the most common objections to a PMI recommendation:
- I don’t need PMI – that’s what the NHS is for: If you require non-emergency NHS treatment, the average waiting time in England1 was 13 weeks from when you are referred for non-urgent consultant-led treatment, in January 2026. This helps show the value of PMI.
- PMI won’t cover me for cancer treatments: Our Healthier Solutions policy includes extensive cover for cancer treatment, and is supported by our Cancer Pledge.
We understand the importance of providing extensive cover and support at every stage of your clients cancer treatment. We'll cover eligible cancer treatment and palliative care your clients need, as recommended by their specialist. We also want to make things as comfortable as possible for your clients following their cancer treatment, so we'll provide extensive cover for their aftercare, including consultations with a dietician, as well as money towards prostheses and a wig purchased in the UK in pound sterling.
Find out more about our cancer cover on our Cancer Pledge page.
- It’s too expensive: Our PMI products are designed to meet different levels of budget. With the ability to enhance and reduce cover, clients can find a PMI policy that best suits their needs. Try taking your clients back through their benefits to help them work out what they want, helping them choose the cover suitable to their requirements.
- PMI isn’t my top priority: You’ll have already pinpointed your clients' financial needs and future aspirations. Next, identifying disposable income and making recommendations for its use is key, as is highlighting the importance of risk-based planning for unseen eventualities. Good health is vital, no matter which other elements of financial planning you're advising on.
- There’s no point – there isn’t a private hospital near me: Your customers may be surprised to find out their nearest private hospital by using our online hospital list checker. There may be facilities closer than they think. We've also introduced Expert Select, our new guided hospital option. When your customer makes a claim, we’ll offer them a choice of hospitals nationally which may include some from the largest hospital groups.
- I’m fine – if it’s an emergency, the NHS has to treat me: The NHS may treat emergency cases. But there’s a significant difference between emergency treatments and important treatments that can have long NHS waiting lists. These types of operation can have a serious impact on your client’s life and work, but won’t be deemed an emergency within the NHS. With PMI, clients have access to high-quality care, when and where they need it.
Other health insurance products
If affordability is a factor in choosing not to take a Healthier Solutions policy, there may be other options. Our diagnostic policy, Speedy Diagnostics, is not as extensive in its coverage but may be worth considering.
1 NHS Consultant-led Referral to Treatment Waiting Times Data 2025-26, January 2026. Contains public sector information licensed under the Open Government Licence v3.
Helping your clients to talk about their health Show more Show less
When someone needs to claim, they become a patient. Prior to that, you’ll be dealing with their application as clients - but if your clients do have to fill in a Full Medical Disclosure form, they’ll be asked questions about very personal medical details. Failure to disclose information could result in cover being invalid, so these tips may be of help:
- It’s a bit awkward: For example, a woman may not want to divulge gynaecological history to her partner. In this scenario, you'd have to deal with things tactfully: perhaps say that, to help you deal with the paperwork, health questionnaires could be returned separately to your office by each partner.
- I’m not sure I want to talk about that: Let clients know we have advisers who are trained to answer sensitive questions - whether it’s a query about cancer, or simply something that your client may find embarrassing to discuss openly with a stranger.
- But I don’t have to tell them about this, do I? Your clients must make a full declaration about their medical history. Failure to disclose a condition could result in cover being invalid - which means they may not get the medical treatment they were expecting.
Answering clients’ technical questions Show more Show less
We’re here to answer questions about terminology, underwriting and general policy information that you may not have to hand in your meeting. Here are some that we’re asked regularly.
- What’s the difference between acute conditions and chronic conditions?
An acute condition is a disease, illness or injury that’s likely to respond quickly to treatment so that you can return to your previous level of health. Chronic conditions are illnesses, diseases or injuries that either continue indefinitely, have no known cure, come back (or are likely to come back), need long-term monitoring or need ongoing control or relief of symptoms. - What chronic conditions are covered?
Chronic conditions aren’t covered by Healthier Solutions - but acute conditions are. We may cover unexpected acute flare-ups of a chronic condition until the condition is re-stabilised and we don’t apply this chronic-condition exclusion to treatment for cancer. - What are my clients' hospital options?
We have a range of hospital options. Your client can choose our Expert Select option, which is our simple option that allows us to guide them to a choice of hospitals local to them or they can choose one of our hospital list options, which allows the customer to choose from any of the hospitals on their list: - Key hospital list - access to a nationwide list of over 200 hospitals
- Trust hospital list - private facilities at NHS/Partnership hospitals
- Extended hospital list - more extensive range of hospitals, including in the Greater London area
- Signature hospital list - an option for clients living in Scotland and Northern Ireland
Use our hospital list checker to show your clients the facilities available in their area.
- What’s the difference between an in-patient, out-patient and day-patient?
An in-patient is someone admitted to hospital who occupies a bed overnight or longer for medical reasons. As a day-patient, you’re admitted to a hospital or day-patient unit because you need a period of medically supervised recovery but don’t occupy a bed overnight. An out-patient is someone who attends a hospital, consulting room or out-patient clinic and is not admitted as a day-patient or in-patient. - What’s underwriting - and all the different types?
We’re happy to answer any questions you or your clients may have about underwriting, and which of these types is most suitable for them:
- Full Medical Underwriting
This involves the completion of a health declaration form where we ask questions about the client’s past health. Any pre-existing medical conditions will be excluded from their policy unless we agree to accept them.
- New Moratorium
With this type of underwriting, your client won’t be able to claim for any condition they’ve had during the five years before their cover started. If they’ve had a pre-existing condition in the five years before they joined the policy, they'll only be covered for it once they’ve been free from medication, treatment, diagnostic tests or advice for the condition for two continuous years after their cover started. Each time they make a claim we'll look at their medical history, and may ask for information from their GP, to understand if their symptom or condition is new or pre-existing. We will, of course, take care of any eligible health conditions from the policy start date.
- Continued Moratorium
Available to clients transferring from an existing medical insurance plan that’s underwritten on a moratorium basis (we’ll need to see proof of previous terms). Our moratorium wording would apply with effect from each client’s original moratorium start date.
- Continued Medical Exclusions
Sometimes suitable if the client is transferring from an existing fully medically underwritten medical insurance plan. We’d accept the existing terms (we’d need to see proof) and apply any personal medical exclusions their previous insurer imposed. If loadings were applied instead of exclusions, the client would need to complete an application form and go through full medical underwriting.
We’re here to help you Show more Show less
As an experienced adviser, research gives you a wealth of information. But not every client is ready to absorb that level of detail all at once. We’re here to help you explain PMI’s benefits clearly to them, and answer any questions you or they may have about Healthier Solutions, underwriting, or any other aspect of our products and services.
Call the Health Trading Centre: 0800 092 4590
Monday to Friday 9am to 5pm
Calls to and from Aviva may be monitored and/or recorded
For policy quotes, please email: hcquote@aviva.com
It’s important to fully understand this product’s details as this will help you conduct a compliant sale. Full details of cover options and exclusions are listed in the product’s brochure. Please read the following documents together - product brochure, terms and conditions, and the insurance product information document.
Healthier Solutions - product brochure
Healthier Solutions - terms and conditions
Healthier Solutions - insurance product information document
Quote and apply
Call us on 0800 092 4590, or email us at hcquote@aviva.com
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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Our flexible private medical insurance product for businesses, covering between 1-249 lives – helps your clients manage absence levels by getting employees timely diagnostic tests and treatment
Optimum
Our group PMI product covering 100+ lives - lets your clients flexibly choose benefits suited to their business needs
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