Aviva Health Adviser: Clinical information

Giving your clients the benefit of our clinical expertise

After many years of providing private medical insurance (PMI), we know how essential proven clinical excellence is to your clients. You can use our long-standing expertise to help build client trust.

High quality healthcare

We fund safe and effective investigations and treatments with proven clinical outcomes based on the latest clinical research to suit individual needs

Proactive condition management

Our expert case management teams are our claimants' advocates, proactively and empathetically managing all aspects of their care

Benefits to employers

Help your client become an employer of choice through wellbeing initiatives that create a happy, healthy and motivated workforce

Product details

Clinical philosophy

Our clinical philosophy is grounded in the four pillars of medical ethics: maleficence, do no harm; beneficence, do good; autonomy; and justice - and is the foundation of every aspect of our work.

Our commitment to delivering value drives us to innovate.

Together, these qualities have helped us to create ways of working that are responsive, and intuitive to our customers' personalised needs. They have allowed us to become champions of prevention and prompt intervention.

Clinical governance

We’re constantly striving to improve the quality of our services, and to ensure we maintain high standards of care. We do this using a clinical governance framework that ensures our customers have access to the right care, at the right time.

Chaired by our medical director, our Clinical Governance Committee meets quarterly to look at changes in legislation, monitor our suppliers’ clinical performance, consider clinical audit results, and review member feedback. This allows us to further improve the service we offer you and your clients.

In the era of AI and apps, we also review the health technologies that are available using our digital clinical governance expertise.

Evidence-based medicine and clinical expertise

In our experience, the earlier a potential claim is dealt with, the more effective the outcome. To ensure that our customers can access the most appropriate treatments quickly, we use clinical research to review the evidence provided by specialists on:

Whether a particular treatment works
How well it works compared to other treatments
What the risks are, if any

New treatments are reviewed weekly by our Medical Panel, chaired by our Medical Director using the above criteria.

These teams are kept up-to-date with the support of our independent panel of consultant medical advisers and an internal clinical team with broad and extensive knowledge. This includes registered nurses, qualified counsellors, as well as specialists in mental health, case management, cognitive behavioural therapy, doctors and physiotherapists.

We try to make sure that our customers' individualised needs and wishes are taken into account when a suitable treatment is chosen through shared-decision making.

We help your clients get the right treatment, at the right time, and at the right price.

Cancer

Discussing a serious illness like cancer is rarely a comfortable experience for you or for your clients during a meeting. We're here to support you, which means providing information that helps you explain the benefit of features like our cancer cover to your clients.

Cancer is a diagnosis that no one wants. Most people don’t think about the cancer care offered through a private medical insurance policy until they need to use it. However, it’s a subject that can help highlight the value of having a PMI policy in place.

We also offer expert care throughout the cancer journey with our recent introduction of a range of cancer support services.

Sharing information, raising awareness

Statistics below collated by Cancer Research UK* can help illustrate the importance of being covered against the risk of cancer:

1 in 2 people in the UK born after 1960, will be diagnosed with some form of cancer during their lifetime
Every two minutes someone in the UK is diagnosed with cancer
Smoking is the largest single preventable cause of cancer in the UK, accounting for 15% of all cancer cases
Breast, prostate, lung and bowel cancers together accounted for more than half (53%) of all new cancer cases in the UK (2016-2018)
Around 4 in 10 UK cancer cases every year could be prevented, that’s more than 135,000 every year.

*Cancer Research UK - accessed October 2022

Being aware of ‘customer cues’

Your clients may know, or have known, someone who was diagnosed with cancer. It may be a sensitive subject for them to talk about.

If you’re not sure about the way cancer can be treated, it’s a good idea to read up on the subject. This will help you confidently answer questions about the condition and the cover we provide.

Our Cancer Pledge page provides more information about the service we provide for your individual and SME clients and their employees. Also, our team is happy to talk through the different levels of cancer cover we've recently introduced to our larger corporate clients (with 250+ employees).

Useful questions to ask individual or family clients

Although it’s a sensitive subject, it may be useful to touch on the subject of cancer during a client meeting. These questions may help prompt a discussion that leads easily to the value of having a PMI policy with excellent cancer cover options in place:

Would you like to have cover that helps pay for treatment, if you were diagnosed with cancer?
Is cover for clinically proven and licensed drugs important to you?
Would you be interested in a policy that doesn’t have limits on the type or amount of specialist nursing needed for cancer?
Is it important to you to have a policy that helps you get back on your feet after treatment – as well as offering treatment for cancer?
Is getting access to molecular profiling testing - specialist analysis for rare and treatment-resistant cancers - important to you?

Useful questions to ask business clients

It’s a difficult subject to discuss, but in a conversation with corporate clients these questions may help:

Have you thought about the effect one employee’s diagnosis of cancer could have on the rest of your staff?
Do you have support from an organisation that could help provide mental health support, if one of your employees was diagnosed with cancer?
Would you like cover options that give you flexibility over how much you spend on offering cancer cover to your employees?
Would you like to have different levels of cancer cover in place, perhaps for different levels of employee?

We're here to help you answer any of the questions suggested here.

Contact us if you'd like more information about the choice of cancer cover we can offer your large corporate clients or the options available for individuals.

Clinical Case Management

Through initiatives such as BacktoBetter and the mental health pathway, we're empowering your clients to access safe, evidenced-based treatment designed to deliver the best clinical outcomes.

Clinical case management

Our approach to managing your clients and their employees - whether it's after a physical injury leaving them with musculoskeletal symptoms, or whether they need support for their mental health - is about helping them get better as quickly as possible. As our clinicians are embedded within our claims teams and processes, our claims assessors can access this expertise quickly and easily, enabling them to focus on claimants physical and psychological recovery.

To get the best outcomes, your clients and their employees need to know they’re getting the most appropriate support and treatment for their injury or problem.

Our knowledge and experience of private medical insurance and bodily injury liability claims helps us understand and demonstrate how to ensure the most appropriate and cost effective use of healthcare interventions. We can then focus on helping claimants get better quicker at the same time as driving cost effective outcomes for clients.

Aviva’s approach means:

Intervening as early as possible to offer the right treatment, at the right time to drive the right outcome
Drawing on our experience to deliver support and treatment that drives tangible clinical and commercial outcomes
Providing consistent clinical case management for our customers when they need it and supporting tailored return-to work plans

For your clients and their employees

Early intervention is the key focus of our healthcare strategy. By supporting claimants at an early stage, we increase the likelihood of a prompt recovery, enabling your clients’ employees to return to work, and their daily activities, at the earliest opportunity.

Re-designing insurance benefits to fit the clinical needs of our customers has led to a shift in focus towards prevention, supportive care, early intervention and case managed pathways.

For you

Being able to promote more effective clinical case management, reduced absenteeism, and improved wellbeing can only be achieved when you have confidence in your provider.

All three of these benefits are core to our service.

Contact us if you’d like more information about the clinical case management services for corporate clients, or the options available for individuals.

Find out more about BacktoBetter – the independent clinical case management service for all musculoskeletal conditions, such as back, neck, muscle or joint pain. This service is included with all our company PMI policies – Solutions for 1-249 employee schemes, Optimum for 250+ employee schemes, and Optimum Referral, our open referral PMI for 250+ employee schemes.

Clinical information