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Aviva - Fair+Square First

No longer available to new business customers

Fair+Square First gives employees the choice between going private or using the NHS and getting a substantial money back payment for eligible treatment.

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
	Up to £10,000 pa (combined with out-patient treatment)
Key Facts - Out-patient Charges
Complementary medicine
	GP referred Physiotherapy, Osteopathy, Acupuncture and Chiropractic treatment, up to 10 sessions in combined total per condition per person per policy year
Diagnostic tests (excluding scans)
	In full
GP referred consultations
	In full
Physiotherapy consultant referred
	In full
Physiotherapy GP referred
	In full on Specialist referral. GP referral = 10 sessions per condition pa
Psychiatric cover
	£750 per person pa. Option to increase this to £10,000 combined in / day and out-patient treatment
Radiotherapy / Chemotherapy
	In full
Scans - MRI / CT / PET
	In full
Surgical Procedures
	Covered - Specialists' fees subject to AVIVA guidelines
Key Facts - Additional Benefits
NHS cash benefit
	£500 (first night) and then £250 per subsequent night in hospital (max £10,000 pa) £250 for day-patient treatment. Under 18 £250 (first night) and then £125 per subsequent night (max £5,000 pa) £125 for day-patient treatment. Excludes for 7 consecutive night of an Accident.
Nursing at home
	In full (following in-patient treatment or day-patient treatment - on Specialist recommendation
Parental accommodation
	In full (child under 14 years of age - 1 parent only)
Primary care
	Up to £150 combined per year for Consultations and Diagnostic tests for the ongoing maintenance of chronic conditions (including diabetes, epilepsy, hypertension, glaucoma), radiology and pathology or out-patient treatment by an Orthopaedic Physician on GP referral
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
	In full - must be Specialist referred with Specialist to remain in direct control. GP referred = up to 10 sessions max pa along with Physiotherapy
Dental treatment
	Oral surgery only
GP minor surgery
	Up to £70 per procedure
GP Referred Chiropody, Podiatry or Homeopathy
	No
Hospice care cash benefit
	£70 per day donation to hospice up to 10 Days
Infertility investigations
	Yes (after 2 years of membership)
Maternity cash benefit
	Not covered
Optional cash benefit
	Up to £10,000 per person per policy year - £500 for the first night of eligible treatment; £250 for subsequent nights; £250 for day-patient treatment All amounts halved for under 18s.
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
Stress counselling helpline
	Telephone counselling, unlimited calls 24/7 for 16+ years only to use
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

Up to £10,000 pa (combined with out-patient treatment)

Key Facts - Out-patient Charges

Complementary medicine

GP referred Physiotherapy, Osteopathy, Acupuncture and Chiropractic treatment, up to 10 sessions in combined total per condition per person per policy year

Diagnostic tests (excluding scans)

In full

GP referred consultations

In full

Physiotherapy consultant referred

In full

Physiotherapy GP referred

In full on Specialist referral. GP referral = 10 sessions per condition pa

Psychiatric cover

£750 per person pa. Option to increase this to £10,000 combined in / day and out-patient treatment

Radiotherapy / Chemotherapy

In full

Scans - MRI / CT / PET

In full

Surgical Procedures

Covered - Specialists' fees subject to AVIVA guidelines

Key Facts - Additional Benefits

NHS cash benefit

£500 (first night) and then £250 per subsequent night in hospital (max £10,000 pa) £250 for day-patient treatment. Under 18 £250 (first night) and then £125 per subsequent night (max £5,000 pa) £125 for day-patient treatment. Excludes for 7 consecutive night of an Accident.

Nursing at home

In full (following in-patient treatment or day-patient treatment - on Specialist recommendation

Parental accommodation

In full (child under 14 years of age - 1 parent only)

Primary care

Up to £150 combined per year for Consultations and Diagnostic tests for the ongoing maintenance of chronic conditions (including diabetes, epilepsy, hypertension, glaucoma), radiology and pathology or out-patient treatment by an Orthopaedic Physician on GP referral

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

In full - must be Specialist referred with Specialist to remain in direct control. GP referred = up to 10 sessions max pa along with Physiotherapy

Dental treatment

Oral surgery only

GP minor surgery

Up to £70 per procedure

GP Referred Chiropody, Podiatry or Homeopathy

Hospice care cash benefit

£70 per day donation to hospice up to 10 Days

Infertility investigations

Yes (after 2 years of membership)

Maternity cash benefit

Not covered

Optional cash benefit

Up to £10,000 per person per policy year - £500 for the first night of eligible treatment; £250 for subsequent nights; £250 for day-patient treatment All amounts halved for under 18s.

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

Stress counselling helpline

Telephone counselling, unlimited calls 24/7 for 16+ years only to use

Transplants

In full


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