Home > Aviva - Personal Care (and 6)

Aviva - Personal Care (and 6)

No longer available to new business customers

Personal Care provides you with fast access to eligible in-patient and day-patient treatment at a wide range of private hospitals nationwide. To keep the premiums down we have excluded out-patient treatments.

Personal Care 6 offers a similar level of cover for an even lower premium. In return, you agree to undertake in-patient or day-patient treatment at an NHS hospital as a non-paying patient if the NHS waiting list for your treatment is six weeks or less. If the treatment is available on the NHS within 6 weeks, you use the NHS without the cash benefit. This allows us to keep the premiums exceptionally low, whilst giving you the peace of mind that you're covered privately in the event of lengthy waiting lists. All other benefits are the same as Personal Care.

Benefits

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	In full
Surgeon / Consultant / Specialist & Anaesthetists fees
	Paid in full (subject to AVIVA fee guidelines for Specialists)
Physicians fees & diagnostic tests
	In full
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	In full
Psychiatric treatment
	Not covered
Six week option
	Six Week Rule With a Personal Care 6 policy, benefit for in-patient or day-patient treatment will only be available if that treatment is not available (except for reasons of county of residence or of nationality) to members at an NHS Hospital within six weeks after the date on which the Specialist recommends that treatment (at or following a consultation between you and that specialist). The NHS waiting period must be determined and advised by the Specialist in charge of your treatment
Key Facts - Out-patient Charges
Complementary medicine
	Not covered
Diagnostic tests (excluding scans)
	In full (leading to or following within 6 months of a related eligible hospital stay)
GP referred consultations
	Not covered
Physiotherapy consultant referred
	Not covered
Physiotherapy GP referred
	Not covered
Psychiatric cover
	Not covered
Radiotherapy / Chemotherapy
	In full
Scans - MRI / CT / PET
	In full (only if leading to or following within 6 months of related eligible in-patient or day-patient treatment)
Surgical Procedures
	Covered - Specialists' fees subject to AVIVA guidelines
Key Facts - Additional Benefits
NHS cash benefit
	£100 per night (up to 30 nights pa)
Nursing at home
	In full for up to 2 days-following in-patient treatment or day-patient treatment-on Specialist recommendation
Parental accommodation
	In full (child under 9 years of age - 1 parent only)
Private ambulance
	In full (reasonable charges)
Additional Benefits
Alcohol & drug abuse
	Not covered
Annual maximum limit
	No annual maximum
Children covered
	Up to 24th birthday
Chiropractors & Osteopaths
	Not covered
Dental treatment
	All dental treatment excluded (including oral surgery)
Hospice donation
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
	£100 per baby born (subject to 10 month qualifying period)
Optional cash benefit
	Not covered
Out of pocket expenses
	Not covered
Overseas cover
	Not covered
Personal & total disability benefit
	Not covered
Post hospital recovery bonus
	Not covered
Pregnancy
	Only for abnormal conditions arising at least 10 months after the date of entry
Transplants
	In full

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

In full

Surgeon / Consultant / Specialist & Anaesthetists fees

Paid in full (subject to AVIVA fee guidelines for Specialists)

Physicians fees & diagnostic tests

In full

Cancer Treatment Costs - Chemotherapy / Radiotherapy

In full

Psychiatric treatment

Not covered

Six week option

Six Week Rule
With a Personal Care 6 policy, benefit for in-patient or day-patient treatment will only be available if that treatment is not available (except for reasons of county of residence or of nationality) to members at an NHS Hospital within six weeks after the date on which the Specialist recommends that treatment (at or following a consultation between you and that specialist). The NHS waiting period must be determined and advised by the Specialist in charge of your treatment

Key Facts - Out-patient Charges

Complementary medicine

Not covered

Diagnostic tests (excluding scans)

In full (leading to or following within 6 months of a related eligible hospital stay)

GP referred consultations

Not covered

Physiotherapy consultant referred

Not covered

Physiotherapy GP referred

Not covered

Psychiatric cover

Not covered

Radiotherapy / Chemotherapy

In full

Scans - MRI / CT / PET

In full (only if leading to or following within 6 months of related eligible in-patient or day-patient treatment)

Surgical Procedures

Covered - Specialists' fees subject to AVIVA guidelines

Key Facts - Additional Benefits

NHS cash benefit

£100 per night (up to 30 nights pa)

Nursing at home

In full for up to 2 days-following in-patient treatment or day-patient treatment-on Specialist recommendation

Parental accommodation

In full (child under 9 years of age - 1 parent only)

Private ambulance

In full (reasonable charges)

Additional Benefits

Alcohol & drug abuse

Not covered

Annual maximum limit

No annual maximum

Children covered

Up to 24th birthday

Chiropractors & Osteopaths

Not covered

Dental treatment

All dental treatment excluded (including oral surgery)

Hospice donation

Not covered

Infertility investigations

Not covered

Maternity cash benefit

£100 per baby born (subject to 10 month qualifying period)

Optional cash benefit

Not covered

Out of pocket expenses

Not covered

Overseas cover

Not covered

Personal & total disability benefit

Not covered

Post hospital recovery bonus

Not covered

Pregnancy

Only for abnormal conditions arising at least 10 months after the date of entry

Transplants

In full


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