Helping to find out what’s wrong - quickly
Speedy Diagnostics is a simple way to help your clients avoid lengthy wait times and find out what’s wrong. It’s cheaper than traditional private medical insurance (PMI), because it doesn’t pay for any treatment.
Speed
Your clients may avoid lengthy wait times and get a speedy diagnosis of what’s wrong
Economic
As treatment isn’t included, it’s cheaper than a standard PMI policy
Wellbeing
Our range of wellbeing services can help your clients to make informed, balanced and positive lifestyle choices
Product details
Why Speedy Diagnostics?
Speedy Diagnostics helps your clients get prompt access to specialists, and there’s no limit to the amount we will pay for your clients’ diagnosis.
- Speedy access to a consultation and/or diagnostic tests with a specialist – no NHS waiting list, no fuss
- Cover for out-patient diagnostic tests, for example, blood tests, X-rays, scans and ECGS (Out-patient CT, MRI and PET scans are only covered at a recognised diagnostic centre)
- Hospital and specialist charges for in-patient and day-patient diagnostic tests
Why diagnosis only?
Affordability may put off some of your clients from buying a traditional PMI product. But a simple policy that just helps them find out what’s wrong may give them the reassurance they’re seeking at a price that feels right for them.
A product that doesn’t provide treatment may strike your clients as unusual. But Speedy Diagnostics can be an ideal solution for someone who wants the reassurance of knowing that NHS waiting lists won’t be a problem if they need to find out what’s wrong.
Product benefits
Here we show what Speedy Diagnostics can cover, what it can't cover, and the additional value that’s included at no extra charge.
Cover provided by Speedy Diagnostics Show more Show less
Speedy Diagnostics helps your clients find out what’s wrong with their health. It provides prompt access to the initial diagnosis of a medical problem. We pay for:
Diagnostic tests as an out-patient
- No limits for consultations with a specialist to establish a diagnosis (specialist fees are covered up to the limits in our fee schedule)
- Specialist fees for diagnostic procedures up to the limits in our fee schedule
- Cover for diagnostic tests, for example, blood tests, X-rays, scans and ECGs (CT, MRI and PET scans are only covered at a recognised diagnostic centre).
Diagnostic tests as an in-patient or day-patient
- Specialist fees for diagnostic procedures up to the limits in our fee schedule
- Hospital charges at a recognised facility/hospital (accommodation and meals, nursing care, theatre fees, drugs and surgical dressings) for diagnostic tests such as an endoscopy or removal of tissue for biopsy.
No claims discount
- With our 15-level no-claim discount (NCD), your clients’ discounts increase by 1 level each year they don’t claim, up to a maximum of 75%. However, if your client does make a claim, their NCD will drop by 3 levels.
Cover not provided Show more Show less
It's important that your clients are aware that treatment is not covered by Speedy Diagnostics. If they need treatment after a diagnosis, they'll need to use the NHS or pay for private treatment themselves.
In addition, if we have a network in place for your clients specific symptoms or suspected condition, we'll tell them where they can have their diagnostic tests or consultations and we’ll only pay for those tests if they're carried out within our networks.
Speedy Diagnostics also doesn't cover:
- Consultations and tests after diagnosis
- Routine medical examinations and screening
- Diagnostic tests ordered by a GP without referral to a specialist
- Diagnostic tests to find the causes of infertility
- Diagnostic tests related to sleep disorders
Networks Show more Show less
A network is a group of facilities and/or specialists or other practitioners that we recognise to provide the diagnostics required for specific symptoms or suspected conditions, such as cataracts. You can find more information about which networks we have in place here.
Renewing Speedy Diagnostics Show more Show less
Our Speedy Diagnostics policies renew annually on the date the policy started. About 30 days prior to renewal, we’ll send out their new documents. You can ask us to copy you in - an ideal opportunity to talk about upgrading to a more extensive PMI product if you feel it would benefit your client.
The renewal packs include information about any changes in premium, a copy of the policy wording, an Insurance Product Information Document, a new policy schedule and details of any changes that apply to the cover.
Why Aviva?
Why choose Speedy Diagnostics?
- Straightforward and affordable
Not everyone can afford traditional PMI cover. For a lower premium, this product helps to provide reassurance to your clients by enabling access to prompt diagnostic tests.
- Save money at renewal
With our 15-level no-claim discount, your client's discount will increase by 1 level each year they don’t claim, up to a maximum of 75%.
- Remove the stress from making a claim
If a client needs to make a claim, we’ll do our best to help things go smoothly. That means they can concentrate on getting the tests they need. We’ll assess their claim over the telephone wherever possible. On occasion, we may need them to complete a claim form which we can help them fill out, if needed.
- Example of how we evolve our products
Because we stay abreast of clinical issues, we’re aware that prompt diagnosis is becoming increasingly important in identifying, informing and treating many medical conditions.
Claims
Claims – what happens next?
Making a claim on a Speedy Diagnostics policy is straightforward. All the information to start a claim is in the policy documents, but clients may contact you first for advice. If that happens, and a GP has referred your client to see a specialist for a consultation or tests, they need to call us before making the appointment. It’ll help us if your clients have some details to hand when they phone in, but we'll do everything we can to help. They should:
Call the claims team: 0800 158 3333
Monday to Friday 8am – 6.30pm, Saturday 9am – 1pm
Calls to and from Aviva may be monitored and/or recorded
- We'll ask for their personal details, including their Speedy Diagnostics policy number
- We’ll ask for a brief description of the symptoms and what the GP has said
- If we don’t have a network in place for their suspected condition, we’ll also ask for the name of the specialist they’d like to see and where they practice. We’ll confirm if the specialist and/or hospital are recognised by us.
If your clients have an open referral, they may not know the specialist’s name. If that's the case, we'll just need to know which type of specialist they need to see. With confirmation that the appointment and tests will be covered, your client can then go ahead, safe in the knowledge that we’ll cover the costs up to a diagnosis being made.
Responding promptly
We understand that your clients may be anxious about a diagnosis, so we’ll do our best to approve eligible costs as quickly as possible.
Clinicians are on hand in each of our claims teams to give our customer service staff detailed support, providing medical insights as necessary to make sure patients get the best possible tests to aid diagnosis.
Settling the bills
We can settle most eligible bills directly with the specialist or hospital. Most will be sent straight to us, but if your clients do 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
Added value
These features are included at no extra charge with every Speedy Diagnostics policy. They can give additional levels of reassurance for your clients, and help you demonstrate the value of having a Speedy Diagnostics policy in place:
- Access to the Aviva Digital GP app* - Giving 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. 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 discounts at over 3,000 health & fitness clubs across the UK, as well as at-home fitness products and online workouts - so you can enjoy some great savings on keeping fit and active. You'll also benefit from a variety of other offers to help you and your family stay healthy and happy.
- 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.
*These services are non-contractual benefits Aviva can change or withdraw at anytime.
Helping you sell
We can help you introduce Speedy Diagnostics to your clients as a cost-effective product that helps them get a prompt diagnosis when something may be wrong with their health.
Target market statement Show more Show less
You can find our target market statement here.
Finding the right clients Show more Show less
Speedy Diagnostics can be useful for a range of clients, such as those looking for:
- Reduced costs
Sometimes clients need to re-prioritise their finances, perhaps due to a change in income or family circumstance. If a client wants to cancel a PMI policy, then Speedy Diagnostics could reassure them they’ll still have access to specialist diagnostic tests - with any treatment required provided by the NHS.
- Peace of mind
If your clients indicate they appreciate the reassurance of an insurance policy, the concept of Speedy Diagnostics may appeal to them. It can be good to know there’s no need to join an NHS waiting list; clients will enjoy prompt access to specialists who can let them know if something’s wrong.
- Helping grandchildren
Grandparents often want to offer practical help without interfering in the way families are run. Grandchildren can be covered at relatively little cost, which may be helpful for people on a reduced retirement income.
Overcoming objections Show more Show less
Providing their objective is diagnosis, not treatment, Speedy Diagnostics can overcome most cost objections to PMI. It’s cheaper than standard PMI, yet still includes access to our added value benefits such as Aviva Digital GP.
These are some of the most common objections to a diagnostics-only recommendation:
- “I want to get better – not just find out what’s wrong”
In this case your client may require a full PMI policy rather than Speedy Diagnostics. You could talk to them about Healthier Solutions which is our standard PMI cover for individuals. - “My GP's never too busy for me – I’d be fine”
It may be relatively easy to book in with a GP, but it can be more challenging to get a consultation with a specialist. With Speedy Diagnostics in place in the majority of cases they’ll see a specialist within days of being referred by their GP.
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 Speedy Diagnostics' benefits clearly to them, and answer any questions you or they may have about the policy, how it's underwritten, 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
Quote and apply
Client illustrations
Download the Healthier Solutions premium illustrator to help you demonstrate affordability and the costs before getting a more detailed quote.
eSolutions
Get quotes and apply online by registering with eSolutions.
Contact the Health Trading Centre on 0800 092 4590, or email us at hcquote@aviva.com
Lines are open Monday to Friday, 9am to 5pm.
Calls to and from Aviva may be monitored and/or recorded.
Key documents
Related products
Healthier Solutions
Our individual PMI product designed to help your clients get access to consultations, diagnostic tests and eligible private medical treatment at a nationwide list of hospitals
Income Protection+
A long-term policy that pays out if, during the policy term, your client can't work and suffers a loss of earnings due to illness or injury
Haven't found what you're looking for?
See our contact us page for a full directory.