IR - Aviva - Healthier Solutions

Aviva - Healthier Solutions

Healthier Solutions is flexible, giving you the ability to choose which benefits are important to you from a range of options. This means you can tailor your health insurance to suit your own requirements.

Healthier Solutions provides:- Prompt access to private medical treatment at a hospital that’s convenient to you- Extensive core cover- Options to increase or decrease your cover- The option to protect your no claim discount- Access to a range of NHS and private hospitals across the UK and Northern Ireland. This includes large networks such as BMI, Nuffield and Spire- Access to a range of added value benefits including GP helpline and UK health and fitness club membership discounts- MyHealthCounts – helping you manage your health with the potential to receive a discount at your next renewal.

Family cover You, your spouse and your children can all be covered by Healthier Solutions if you permanently live in the UK. - Children can even be included if they’re temporarily away from home – for example, if they’re away at university in term time.- If there’s a new addition to your family, your baby will get up to three months’ free cover.

Benefits

Option 1: Other Treatments & Therapies	All Yes No
Option 2: Psychiatric Treatment	All Yes No
Option 3: Dental and Optical	All Yes No
Option 4: Reduced O/P & Benefit Reduction	All £500 Limit £1,000 Limit £0 Limit No
Option 5: Six Week Option	All Yes No
Option 6: Protected No Claim Discount	All Yes No
Expert Select	All Yes No
Hospital List	All Key Extended Trust n/a

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
Hospital List - Key	Core Cover Paid in full (The Key hospital list - AVIVA's standard wide range of hospitals)
Hospital List - Extended	Paid in full (The Extended hospital list, building on the Key list the extended Hospital list offers a wider choice, predominantly in the Greater London area.)
Hospital List - Trust	Paid in full (The Trust hospital list includes mostly private patient units of NHS Trust and Partnership hospitals. Please note that you must live within the catchment area of a Trust hospital to qualify for this list.)
Surgeon / Consultant / Specialist & Anaesthetists fees
Expert Select - Yes	We will pay charges in full for consultations with the specialist confirmed by us
Expert Select - No	If you have a hospital list: we will pay up to the limits in our fee schedule
Physicians fees & diagnostic tests
	Core Cover Paid in full (subject to AVIVA fee guidelines for Specialists)
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Core Cover Paid in full (subject to AVIVA fee guidelines for Specialists - See AVIVA Cancer Pledge below)
Psychiatric treatment
Option 2: Psychiatric Treatment - No	Core Cover Not covered
Option 2: Psychiatric Treatment - Yes	Psychiatric treatment Paid in full up to 28 days Specialists fees for in-patient or day-patient treatment - Covered (subject to AVIVA fee guidelines for Specialists)
Six week option
Option 5: Six Week Option - No	Available but not selected
Option 5: Six Week Option - Yes	When selected AVIVA will not pay for in-patient or day-patient treatment, or NHS cash benefit, if the treatment is available to you on the NHS within six weeks. Should you just need out-patient treatment e.g. consultations, tests or an out-patient procedure, this is unaffected by the six week rule, so AVIVA will pay for you to go privately regardless of the NHS wait. If your out-patient treatment leads to an in-patient or day-patient procedure, then the six week rule will apply to that procedure. If there is an NHS wait of six weeks or more, there is cover for prompt access to a hospital on your chosen list. If it’s found that you require emergency treatment, you’ll be admitted on the NHS within six weeks therefore treatment will not be covered by your policy.
Key Facts - Out-patient Charges
Complementary medicine
	Core Cover Paid in full for specialist referred Physio, Osteopathy and Chiropractic treatment
Option 1: Other Treatments & Therapies - Yes	Other treatments and therapies Paid in full for GP referred treatment by physiotherapist,chiropractor, osteopath and acupuncturist, up to 10 sessions in combined total
Option 4: Reduced O/P & Benefit Reduction - £500 Limit	Reduced out-patient cover and selected benefit reduction Specialist-referred physiotherapy, osteopathy and chiropractic treatment - overall benefit limit of £500 per policy year
Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit	Reduced out-patient cover and selected benefit reduction Specialist-referred physiotherapy, osteopathy and chiropractic treatment - overall benefit limit of £1,000 per policy year
Option 4: Reduced O/P & Benefit Reduction - £0 Limit	Reduced out-patient cover and selected benefit reduction Specialist referred physiotherapy, chiropractic and osteopathy treatment - Removed
Diagnostic tests (excluding scans)
Option 4: Reduced O/P & Benefit Reduction - No	Core Cover Paid in full
Option 4: Reduced O/P & Benefit Reduction - £500 Limit	Reduced out-patient cover and selected benefit reduction Diagnostic tests - overall out-patient benefit limit of £500 per policy
Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit	Reduced out-patient cover and selected benefit reduction Diagnostic tests - overall out-patient benefit limit of £1,000 per policy
Option 4: Reduced O/P & Benefit Reduction - £0 Limit	Reduced out-patient cover and selected benefit reduction Diagnostic test benefit limit - Removed
GP referred consultations
Option 4: Reduced O/P & Benefit Reduction - No	Core Cover Paid in full
Option 4: Reduced O/P & Benefit Reduction - £500 Limit	Reduced out-patient cover and selected benefit reduction Specialist consultations - overall benefit limit of £500 per policy year
Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit	Reduced out-patient cover and selected benefit reduction Specialist consultations - overall benefit limit of £1,000 per policy year
Option 4: Reduced O/P & Benefit Reduction - £0 Limit	Reduced out-patient cover and selected benefit reduction Specialist referred physiotherapy, chiropractic and osteopathy treatment - Removed
Physiotherapy consultant referred
Option 4: Reduced O/P & Benefit Reduction - No	Core Cover Paid in full
Option 4: Reduced O/P & Benefit Reduction - £500 Limit	Reduced out-patient cover and selected benefit reduction Specialist-referred physiotherapy, osteopathy and chiropractic treatment - overall benefit limit of £500 per policy year
Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit	Reduced out-patient cover and selected benefit reduction Specialist-referred physiotherapy, osteopathy and chiropractic treatment - overall benefit limit of £1,000 per policy year
Option 4: Reduced O/P & Benefit Reduction - £0 Limit	Reduced out-patient cover and selected benefit reduction Specialist referred physiotherapy, chiropractic and osteopathy treatment - Removed
Physiotherapy GP referred
Option 4: Reduced O/P & Benefit Reduction - No	Core Cover Not covered
Option 1: Other Treatments & Therapies - Yes	Other treatments and therapies Paid in full for GP referred treatment by physiotherapist,chiropractor, osteopath and acupuncturist, up to 10 sessions in combined total
Psychiatric cover
	Core Cover Up to £2,000 for out-patient treatment only
Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit	Reduced out-patient cover and selected benefit reduction Psychiatric treatment as an out-patient - overall benefit limit of £1,000 per policy year
Option 4: Reduced O/P & Benefit Reduction - £500 Limit	Reduced out-patient cover and selected benefit reduction Psychiatric treatment as an out-patient - overall benefit limit of £500 per policy year
Option 4: Reduced O/P & Benefit Reduction - £0 Limit	Reduced out-patient cover and selected benefit reduction Psychiatric treatment as an out-patient - removed
Radiotherapy / Chemotherapy
	Core Cover Paid in full
Scans - MRI / CT / PET
	Core Cover Paid in full when carried out at a specified diagnostic centre
Surgical Procedures
Option 1: Other Treatments & Therapies - No	Core Cover Not covered
Option 1: Other Treatments & Therapies - Yes	Other treatments and therapies Up to £100 per procedure for GP minor surgery
Key Facts - Additional Benefits
NHS cash benefit
	Core Cover £100 per night (up to 30 nights per person per policy year)
Nursing at home
	Core Cover Paid in full when immediately following treatment as an in-patient or day-patient that is covered by the policy; on specialist recommendation
Parental accommodation
	Core Cover Paid in full for a child of 15 or under receiving treatment that is covered by the policy. One parent only
Private ambulance
	Core Cover Paid in full (reasonable charges)
Additional Benefits
Alcohol & drug abuse
	Core Cover Not covered
Annual maximum limit
	No annual maximum
Children covered
	Children can stay on the policy indefinitely as long as they remain financially 'dependant'
Chiropractors & Osteopaths
Option 4: Reduced O/P & Benefit Reduction - £500 Limit	Reduced out-patient cover and selected benefit reduction Specialist-referred physiotherapy, osteopathy and chiropractic treatment - overall benefit limit of £500 per policy year
	Core Cover Paid in full for specialist referred Physio, Osteopathy and Chiropractic treatment
Option 1: Other Treatments & Therapies - Yes	Other treatments and therapies Paid in full for GP referred treatment by physiotherapist,chiropractor, osteopath and acupuncturist, up to 10 sessions in combined total
Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit	Reduced out-patient cover and selected benefit reduction Specialist-referred physiotherapy, osteopathy and chiropractic treatment - overall benefit limit of £1,000 per policy year
Option 4: Reduced O/P & Benefit Reduction - £0 Limit	Reduced out-patient cover and selected benefit reduction Specialist referred physiotherapy, chiropractic and osteopathy treatment - Removed
Dental treatment
Option 4: Reduced O/P & Benefit Reduction - No	Core Cover Specialists' fees for surgical procedures on the teeth performed in a hospital covered up to the limits in AVIVA's fee schedule
Option 4: Reduced O/P & Benefit Reduction - £0 Limit Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit Option 4: Reduced O/P & Benefit Reduction - £500 Limit	Reduced out-patient cover and selected benefit reduction Surgical procedures on the teeth performed in a hospital - Removed
Hospice donation
	Donation to the hospice, £70 per day, up to 10 days' care maximum
Infertility investigations
	Core Cover Not covered
Maternity cash benefit
	£100 per baby born (subject to 10 month qualifying period)
Optional cash benefit
Option 3: Dental and Optical - No	Core Cover Not covered
Option 3: Dental and Optical - Yes	Dental and Optical Up to £150 for optical benefit Up to £600 for accidental dental injury Up to £250 for routine dental treatment Cover is per person per policy year with a £50 excess separately with the optical and routine dental benefit
Out of pocket expenses
	Core Cover Not covered
Overseas cover
Option 4: Reduced O/P & Benefit Reduction - No	Core Cover Emergency treatment when temporarily abroad for a period of up to 90 days
Option 4: Reduced O/P & Benefit Reduction - £0 Limit Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit Option 4: Reduced O/P & Benefit Reduction - £500 Limit	Reduced out-patient cover and selected benefit reduction Emergency overseas cover - Removed
Personal & total disability benefit
	Core Cover Not covered
Post hospital recovery bonus
	Core Cover Not covered
Pregnancy
Option 4: Reduced O/P & Benefit Reduction - No	Core Cover Paid in full for treatment for complications of pregnancy and childbirth, subject to a 10 month qualification period
Option 4: Reduced O/P & Benefit Reduction - £0 Limit Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit Option 4: Reduced O/P & Benefit Reduction - £500 Limit	Reduced out-patient cover and selected benefit reduction Treatment for complications of pregnancy and childbirth - Removed
Transplants
	Core Cover Paid in full for bone marrow and stem cell transplants (AVIVA do not pay for costs incurred by or treatment for a donor)
Other benefits
Option 6: Protected No Claim Discount - Yes	Protected No Claims Discount If you have protected your NCD and make a claim, you won't move down the NCD scale at renewal, but your protection will be lost. This means if you make another new claim during the next policy year your NCD will reduce three levels. Please note that a claim made during one policy year which carries over into the following year will be treated as one claim only. The Protect NCD option is not available when the client has only been claims free for one year.
	Cancer Pledge Post surgery services: Includes specialist services immediately following surgery, such as consultations with a dietician or stoma nurse Up to £100 towards the cost of a wig if one is needed due to hair loss caused by cancer treatment, once per member, not per policy year Up to £5,000 towards the cost of the first external prosthesis following surgery for cancer Cover for Stem cell and bone marrow transplants, Including collection, storage and implantation Up to ten years monitoring and up to five years on-going needs, such as regular replacement of tubes or drains (out-patient policy limits would be applied) Preventative treatment for cancer (see policy wording for eligibility) NHS cancer cash benefit - for treatment that would have been covered by the policy we’ll pay £100 for in-patient or day-patient treatment for cancer; out-patient radiotherapy, chemotherapy, blood transfusions or surgical procedures; £100 each day for intravenous chemotherapy at home and £100 each week if you’re taking oral chemotherapy drugs at home. You can’t claim more than £100 each day End of Life care * In a hospital if it is medically necessary - covered * £100 per night, up to £10,000 - Donation to a hospice * £50 per day, up to £10,000 - Donation to a registered charity
	Up to 2 speech therapy sessions for GP referred treatment by a speech therapist for children
	Stress Counselling helpline Talk to trained counsellors in confidence about the issues that are troubling you. The service is available to members aged 16 or over
	Get peace of mind with Expert Select We’ve designed Expert Select to help you access the quality care that best suits your needs. It’s a simple, hassle-free approach that see us do all the hard work so you don’t have to.You can rest assured you’ll get the quality support and treatment you need from specialists in their field.
	Aviva Digital GP could help minimise downtime when you need a GP consultation or are seeking medical advice, giving you swift and convenient access to up to 5 GP video consultations and repeat NHS prescriptions.

Key Facts - In-patient & Day Case Charges

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

Hospital List - Key

Core Cover
Paid in full (The Key hospital list - AVIVA's standard wide range of hospitals)

Hospital List - Extended

Paid in full (The Extended hospital list, building on the Key list the extended Hospital list offers a wider choice, predominantly in the Greater London area.)

Hospital List - Trust

Paid in full (The Trust hospital list includes mostly private patient units of NHS Trust and Partnership hospitals. Please note that you must live within the catchment area of a Trust hospital to qualify for this list.)

Surgeon / Consultant / Specialist & Anaesthetists fees

Expert Select - Yes

We will pay charges in full for consultations with the specialist confirmed by us

Expert Select - No

If you have a hospital list: we will pay up to the limits in our fee schedule

Physicians fees & diagnostic tests

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

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Core Cover
Paid in full (subject to AVIVA fee guidelines for Specialists - See AVIVA Cancer Pledge below)

Psychiatric treatment

Option 2: Psychiatric Treatment - No

Core Cover
Not covered

Option 2: Psychiatric Treatment - Yes

Psychiatric treatment
Paid in full up to 28 days
Specialists fees for in-patient or day-patient treatment - Covered (subject to AVIVA fee guidelines for Specialists)

Six week option

Option 5: Six Week Option - No

Available but not selected

Option 5: Six Week Option - Yes

When selected AVIVA will not pay for in-patient or day-patient treatment, or NHS cash benefit, if the treatment is available to you on the NHS within six weeks. Should you just need out-patient treatment e.g. consultations, tests or an out-patient procedure, this is unaffected by the six week rule, so AVIVA will pay for you to go privately regardless of the NHS wait. If your out-patient treatment leads to an in-patient or day-patient procedure, then the six week rule will apply to that procedure. If there is an NHS wait of six weeks or more, there is cover for prompt access to a hospital on your chosen list. If it’s found that you require emergency treatment, you’ll be admitted on the NHS within six weeks therefore treatment will not be covered by your policy.

Key Facts - Out-patient Charges

Complementary medicine

Core Cover
Paid in full for specialist referred Physio, Osteopathy and Chiropractic treatment

Option 1: Other Treatments & Therapies - Yes

Other treatments and therapies
Paid in full for GP referred treatment by physiotherapist,chiropractor, osteopath and acupuncturist, up to 10 sessions in combined total

Option 4: Reduced O/P & Benefit Reduction - £500 Limit

Reduced out-patient cover and selected benefit reduction
Specialist-referred physiotherapy, osteopathy and chiropractic treatment - overall benefit limit of £500 per policy year

Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit

Reduced out-patient cover and selected benefit reduction
Specialist-referred physiotherapy, osteopathy and chiropractic treatment - overall benefit limit of £1,000 per policy year

Option 4: Reduced O/P & Benefit Reduction - £0 Limit

Reduced out-patient cover and selected benefit reduction
Specialist referred physiotherapy, chiropractic and osteopathy treatment - Removed

Diagnostic tests (excluding scans)

Option 4: Reduced O/P & Benefit Reduction - No

Core Cover
Paid in full

Option 4: Reduced O/P & Benefit Reduction - £500 Limit

Reduced out-patient cover and selected benefit reduction
Diagnostic tests - overall out-patient benefit limit of £500 per policy

Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit

Reduced out-patient cover and selected benefit reduction
Diagnostic tests - overall out-patient benefit limit of £1,000 per policy

Option 4: Reduced O/P & Benefit Reduction - £0 Limit

Reduced out-patient cover and selected benefit reduction
Diagnostic test benefit limit - Removed

GP referred consultations

Option 4: Reduced O/P & Benefit Reduction - No

Core Cover
Paid in full

Option 4: Reduced O/P & Benefit Reduction - £500 Limit

Reduced out-patient cover and selected benefit reduction
Specialist consultations - overall benefit limit of £500 per policy year

Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit

Reduced out-patient cover and selected benefit reduction
Specialist consultations - overall benefit limit of £1,000 per policy year

Option 4: Reduced O/P & Benefit Reduction - £0 Limit

Reduced out-patient cover and selected benefit reduction
Specialist referred physiotherapy, chiropractic and osteopathy treatment - Removed

Physiotherapy consultant referred

Option 4: Reduced O/P & Benefit Reduction - No

Core Cover
Paid in full

Option 4: Reduced O/P & Benefit Reduction - £500 Limit

Reduced out-patient cover and selected benefit reduction
Specialist-referred physiotherapy, osteopathy and chiropractic treatment - overall benefit limit of £500 per policy year

Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit

Reduced out-patient cover and selected benefit reduction
Specialist-referred physiotherapy, osteopathy and chiropractic treatment - overall benefit limit of £1,000 per policy year

Option 4: Reduced O/P & Benefit Reduction - £0 Limit

Reduced out-patient cover and selected benefit reduction
Specialist referred physiotherapy, chiropractic and osteopathy treatment - Removed

Physiotherapy GP referred

Option 4: Reduced O/P & Benefit Reduction - No

Core Cover
Not covered

Option 1: Other Treatments & Therapies - Yes

Other treatments and therapies
Paid in full for GP referred treatment by physiotherapist,chiropractor, osteopath and acupuncturist, up to 10 sessions in combined total

Psychiatric cover

Core Cover
Up to £2,000 for out-patient treatment only

Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit

Reduced out-patient cover and selected benefit reduction
Psychiatric treatment as an out-patient - overall benefit limit of £1,000 per policy year

Option 4: Reduced O/P & Benefit Reduction - £500 Limit

Reduced out-patient cover and selected benefit reduction
Psychiatric treatment as an out-patient - overall benefit limit of £500 per policy year

Option 4: Reduced O/P & Benefit Reduction - £0 Limit

Reduced out-patient cover and selected benefit reduction
Psychiatric treatment as an out-patient - removed

Radiotherapy / Chemotherapy

Core Cover
Paid in full

Scans - MRI / CT / PET

Core Cover
Paid in full when carried out at a specified diagnostic centre

Surgical Procedures

Option 1: Other Treatments & Therapies - No

Core Cover
Not covered

Option 1: Other Treatments & Therapies - Yes

Other treatments and therapies
Up to £100 per procedure for GP minor surgery

Key Facts - Additional Benefits

NHS cash benefit

Core Cover
£100 per night (up to 30 nights per person per policy year)

Nursing at home

Core Cover
Paid in full when immediately following treatment as an in-patient or day-patient that is covered by the policy; on specialist recommendation

Parental accommodation

Core Cover
Paid in full for a child of 15 or under receiving treatment that is covered by the policy. One parent only

Private ambulance

Core Cover
Paid in full (reasonable charges)

Additional Benefits

Alcohol & drug abuse

Core Cover
Not covered

Annual maximum limit

No annual maximum

Children covered

Children can stay on the policy indefinitely as long as they remain financially 'dependant'

Chiropractors & Osteopaths

Option 4: Reduced O/P & Benefit Reduction - £500 Limit

Reduced out-patient cover and selected benefit reduction
Specialist-referred physiotherapy, osteopathy and chiropractic treatment - overall benefit limit of £500 per policy year

Core Cover
Paid in full for specialist referred Physio, Osteopathy and Chiropractic treatment

Option 1: Other Treatments & Therapies - Yes

Other treatments and therapies
Paid in full for GP referred treatment by physiotherapist,chiropractor, osteopath and acupuncturist, up to 10 sessions in combined total

Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit

Reduced out-patient cover and selected benefit reduction
Specialist-referred physiotherapy, osteopathy and chiropractic treatment - overall benefit limit of £1,000 per policy year

Option 4: Reduced O/P & Benefit Reduction - £0 Limit

Reduced out-patient cover and selected benefit reduction
Specialist referred physiotherapy, chiropractic and osteopathy treatment - Removed

Dental treatment

Option 4: Reduced O/P & Benefit Reduction - No

Core Cover
Specialists' fees for surgical procedures on the teeth performed in a hospital covered up to the limits in AVIVA's fee schedule

Option 4: Reduced O/P & Benefit Reduction - £0 Limit

Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit

Option 4: Reduced O/P & Benefit Reduction - £500 Limit

Reduced out-patient cover and selected benefit reduction
Surgical procedures on the teeth performed in a hospital - Removed

Hospice donation

Donation to the hospice, £70 per day, up to 10 days' care maximum

Infertility investigations

Core Cover
Not covered

Maternity cash benefit

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

Optional cash benefit

Option 3: Dental and Optical - No

Core Cover
Not covered

Option 3: Dental and Optical - Yes

Dental and Optical
Up to £150 for optical benefit
Up to £600 for accidental dental injury
Up to £250 for routine dental treatment
Cover is per person per policy year with a £50 excess separately with the optical and routine dental benefit

Out of pocket expenses

Core Cover
Not covered

Overseas cover

Option 4: Reduced O/P & Benefit Reduction - No

Core Cover
Emergency treatment when temporarily abroad for a period of up to 90 days

Option 4: Reduced O/P & Benefit Reduction - £0 Limit

Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit

Option 4: Reduced O/P & Benefit Reduction - £500 Limit

Reduced out-patient cover and selected benefit reduction
Emergency overseas cover - Removed

Personal & total disability benefit

Core Cover
Not covered

Post hospital recovery bonus

Core Cover
Not covered

Pregnancy

Option 4: Reduced O/P & Benefit Reduction - No

Core Cover
Paid in full for treatment for complications of pregnancy and childbirth, subject to a 10 month qualification period

Option 4: Reduced O/P & Benefit Reduction - £0 Limit

Option 4: Reduced O/P & Benefit Reduction - £1,000 Limit

Option 4: Reduced O/P & Benefit Reduction - £500 Limit

Reduced out-patient cover and selected benefit reduction
Treatment for complications of pregnancy and childbirth - Removed

Transplants

Core Cover
Paid in full for bone marrow and stem cell transplants (AVIVA do not pay for costs incurred by or treatment for a donor)

Other benefits

Option 6: Protected No Claim Discount - Yes

Protected No Claims Discount
If you have protected your NCD and make a claim, you won't move down the NCD scale at renewal, but your protection will be lost. This means if you make another new claim during the next policy year your NCD will reduce three levels. Please note that a claim made during one policy year which carries over into the following year will be treated as one claim only.

The Protect NCD option is not available when the client has only been claims free for one year.

Cancer Pledge
Post surgery services: Includes specialist services immediately following surgery, such as consultations with a dietician or stoma nurse
Up to £100 towards the cost of a wig if one is needed due to hair loss caused by cancer treatment, once per member, not per policy year
Up to £5,000 towards the cost of the first external prosthesis following surgery for cancer
Cover for Stem cell and bone marrow transplants, Including collection, storage and implantation
Up to ten years monitoring and up to five years on-going needs, such as regular replacement of tubes or drains (out-patient policy limits would be applied)
Preventative treatment for cancer (see policy wording for eligibility)
NHS cancer cash benefit - for treatment that would have been covered by the policy we’ll pay £100 for in-patient or day-patient treatment for cancer; out-patient radiotherapy, chemotherapy, blood transfusions or surgical procedures; £100 each day for intravenous chemotherapy at home and £100 each week if you’re taking oral chemotherapy drugs at home. You can’t claim more than £100 each day
End of Life care
* In a hospital if it is medically necessary - covered
* £100 per night, up to £10,000 - Donation to a hospice
* £50 per day, up to £10,000 - Donation to a registered charity

Up to 2 speech therapy sessions for GP referred treatment by a speech therapist for children

Stress Counselling helpline Talk to trained counsellors in confidence about the issues that are troubling you. The service is available to members aged 16 or over

Get peace of mind with Expert Select
We’ve designed Expert Select to help you access the quality care that best suits your needs. It’s a simple, hassle-free approach that see us do all the hard work so you don’t have to.You can rest assured you’ll get the quality support and treatment you need from specialists in their field.

Aviva Digital GP could help minimise downtime when you need a GP consultation or are seeking medical advice, giving you swift and convenient access to up to 5 GP video consultations and repeat NHS prescriptions.


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