IR - Aviva - International Solutions

Aviva - International Solutions

International Solutions is a modular product that offers flexibility and cost-effectiveness. Along with its extensive level of core cover, it provides 5 options to increase cover and 3 options to reduce cover - so you have real flexibility to shape to your clients' needs and budgets.

How the product works is easy:
It has an extensive level of core cover with an overall annual benefit limit of £5 million (or Euro/US Dollar equivalent, depending on which currency premium is paid) Choose to upgrade with Wellness, Dental & Optical, Increased Out-patient, Compassionate Travel and Maternity Option, Options to reduce cover include Reduction of Additional Benefits Options Or reduce Out-Patient benefit and Reduction of Additional Benefits option

Additional benefits include:
24 hour Medical Assistance Service, 365 days a year 24 hour Medical Information Helpline, 365 days a year access to leading international healthcare facilities Flexibility to only pay for the cover according to the part of the world your clients are based Evacuation to an appropriate facility if treatment is not available locally

International Solutions - providing peace of mind that your client's are covered by one of the world's leading insurance companies.

Benefits

Reduced out-patient	All Yes No
Increased cover as an O/P	All Yes No
Wellness	All Yes No
Compassionate travel	All Yes No
Dental and Optical	All Yes No
Maternity cover	All Yes No

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	Full refund within the annual benefit limit
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund within the annual benefit limit
Physicians fees & diagnostic tests
	Full refund within the annual benefit limit
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full refund within the annual benefit limit
Organ transplant
	Not covered
Outside area of cover limit for USA / Canada
	Regional extension for emergency evacuation and treatment is covered for up to 60 days
Prosthetic devices
	Not Covered [Surgical or medical appliances, such as neurostimulators (for example, cochlear implants) are not covered. However, prostheses inserted into the body during the course of a surgical procedure or those covered under the Increased Out-patient module are]
Psychiatric treatment
	Full refund (up to 30 days)
Key Facts - Out-patient Charges
Complementary medicine
Increased cover as an O/P - No	Not covered
Increased cover as an O/P - Yes	Increased cover as an out-patient Alternative and complementary therapies cover for consultations, treatment, drugs and dressings with the following practitioners: Chinese medicine, chiropractic, osteopathy, acupuncture, homeopathy, chiropody and podiatry* up to £2,500 : €2,750 : $3,750
Diagnostic tests (excluding scans)
Reduced out-patient - No	Full refund *
Reduced out-patient - Yes	Reduced out-patient Up to a combined limit of £2,500 : €2,750 : $3,750 for Specialist consultations, Diagnostic tests, Surgical procedures, Physiotherapy*
GP referred consultations
Reduced out-patient - No	Full refund * on Specialist referral
Reduced out-patient - Yes	Reduced out-patient Up to a combined limit of £2,500 : €2,750 : $3,750 for Specialist consultations, Diagnostic tests, Surgical procedures, Physiotherapy*
Physiotherapy consultant referred
Reduced out-patient - No	Full refund * on Specialist referral
Reduced out-patient - Yes	Reduced out-patient Up to a combined limit of £2,500 : €2,750 : $3,750 for Specialist consultations, Diagnostic tests, Surgical procedures, Physiotherapy*
Physiotherapy GP referred
Increased cover as an O/P - No	Not covered
Increased cover as an O/P - Yes	Increased cover as an out-patient Up to 10 sessions per policy year*
Psychiatric cover
Increased cover as an O/P - No	Not covered
Increased cover as an O/P - Yes	Full refund (up to 30 days)
Radiotherapy / Chemotherapy
	Full refund * on Specialist referral
Scans - MRI / CT / PET
	Full refund *
Surgical Procedures
Reduced out-patient - No	Full refund *
Reduced out-patient - Yes	Reduced out-patient Up to a combined limit of £2,500 : €2,750 : $3,750 for Specialist consultations, Diagnostic tests, Surgical procedures, Physiotherapy*
Vaccinations administered by a medical practitioner
Reduced out-patient - Yes	Reduction on additional benefits Cover removed
Reduced out-patient - No	Up to combined benefit limit with prescribed drugs, dressings and vaccinations up to £1,500 : €1,650 : $2,250
Key Facts - Additional Benefits
Cash benefit if the treatment is received completely free of charge
	£150 : €165 : $225 per night. Up to 28 nights when undergoing treatment covered by the policy
Nursing at home
	Up to 28 days. Immediately following eligible treatment as an in-patient or day-patient*
Parental accommodation
	Full refund with child 18 and under undergoing eligible treatment, one parent only
Private ambulance
	Full refund *
Additional Benefits
24 Hour emergency helpline
	- Medical information and help, 24 hours a day, 365 days a year - Telephone access to qualified doctors and nurses - Opportunity to discuss medical concerns in complete confidence
Accompanying relative travel & accomodation
	Full refund of reasonable costs incurred in connection with the evacuation of a member including the costs of one other accompanying member Full refund of transport necessarily incurred in connection with benefits under the policy Up to £100 : €110 : $150 per night to a total of £2,000 : €2,200 : $3,000 for accommodation costs (other than at a hospital) incurred in connection with evacuation
AIDS / HIV treatment
	Up to £5,000 : €5,500 : $7,500 (*)
Alcohol & drug abuse
	Not covered
Annual maximum limit
	£5,000,000 : €5,500,000 : $7,500,000
Children covered
	21 years of age, optional to increase to 24 either in FTE or irrespective of FTE
Chinese medicine
Increased cover as an O/P - Yes	Increased cover as an out-patient Alternative and complementary therapies cover for consultations, treatment, drugs and dressings with the following practitioners: Chinese medicine, chiropractic, osteopathy, acupuncture, homeopathy, chiropody and podiatry* up to £2,500 : €2,750 : $3,750
Increased cover as an O/P - No	Not covered
Chiropractors & Osteopaths
Increased cover as an O/P - Yes	Increased cover as an out-patient Alternative and complementary therapies cover for consultations, treatment, drugs and dressings with the following practitioners: Chinese medicine, chiropractic, osteopathy, acupuncture, homeopathy, chiropody and podiatry* up to £2,500 : €2,750 : $3,750
Increased cover as an O/P - No	Not covered
Chronic conditions & palliative care
Reduced out-patient - No	Up to a maximum of £15,000 : €16,500 : $22,500 per year per member for routine maintenance of chronic conditions*
Reduced out-patient - Yes	Reduction on additional benefits Cover removed
Compassionate home visit
Compassionate travel - No	Not covered
Compassionate travel - Yes	Compassionate travel Up to £1,000 : €1,100 : $1,500 for economy return flight (or equivalent) following the death of a close relative Up to £1,000 : €1,100 : $1,500 for return home to recuperate following eligible evacuation Repatriation if treatment is not available locally full refund, only available to a country in the same region or a lower region than the one you choose.
Cover for new born children
	Up to £100,000 : €110,000 : $150,000 for treatment for conditions that occur during the first 112 days following birth; benefit limit applies for the life of the policy
Cremation / burial or repatriation of remains
	Local burial or transport of mortal remains up to £5,000 : €5,500 : $7,500
Dental treatment
	Up to £1,500 : €1,650 : $2,250 for treatment for accidental dental injury*
Reduced out-patient - Yes	Reduction on additional benefits Cover for accidental dental injury is removed
Dental and Optical - Yes	Dental and Optical Two routine dental examinations up to £200 : €220 : $300. Routine dental treatment up to £500 : €550 : $750 member pays first 20% of each bill. Restorative dental works for example, bridges, dentures and braces up tp £1,000 : €1,100 : $1,500 member pays 50% of each bill. Routine sight examinations, glasses or contact lenses. Up to £200 : €220 : $300. Optical benefit covers glasses and contact lenses needed If a prescription changes.
Emergency medical evacuation & medical repatriation
	Full refund of reasonable costs incurred in connection with the evacuation of a member including the costs of one other accompanying member Full refund of transport necessarily incurred in connection with benefits under the policy Up to £100 : €110 : $150 per night to a total of £2,000 : €2,200 : $3,000 for accommodation costs (other than at a hospital) incurred in connection with evacuation
Extended care facility
	Not covered
Health Screening
Wellness - No	Not covered
Wellness - Yes	Wellness Up to £500, €550 or $750 aggregated total provision for routine tests and examinations consisting of pap smears, mammograms, prostate screening, gynaecological examinations, routine physical examinations, X-rays, laboratory blood tests. Member pays first 20% of bills
Hormone replacement therapy
	Not covered
Infertility investigations
	Full refund for all reasonable costs
Maternity cash benefit
	Not covered
Organ Transplants
	Not covered
Overseas cover
	Regional extension for emergency evacuation and treatment is covered for up to 60 days
Personal & total disability benefit
	Not covered
Policy excess
	* An excess of £25 or €27.50 or $37.50 applies and is payable per member per claim per policy year, unless an alternative excess is chosen. An alternative to the standard excess £100:€110:$150 = 5% premium discount £250:€275:$375 = 10% premium discount £500:€550:$750 = 15% premium discount The excess chosen applies per claim per member per policy year. (It does not apply to in-patient or day-patient benefits, or to benefits that include co-payment). If an excess of £100, £250 or £500 is chosen you cannot also choose the reduction on additional benefits or reduced out-patient cover options.
Pre-existing conditions
	Not covered
Pregnancy complications
Maternity cover - No	Not covered
Maternity cover - Yes	Maternity cover Full Refund (Subject to a 10 month qualifying period)
Presciption drugs, dressings and medicines
Reduced out-patient - No	Up to £1,500 : €1,650 : $2,250 for prescribed drugs and dressings* Combined benefit limit with vaccinations
Reduced out-patient - Yes	Reduction on additional benefits Cover removed
Rehabilitation
	We do not cover rehabilitation unless it takes place as an in-patient immediately following treatment covered by the policy, and then only for a maximum of 14 days per medical condition per policy year
Routine maternity cover
Maternity cover - No	Not covered
Maternity cover - Yes	Maternity cover Up to £10,000 : €11,000 : $15,000 (Subject to a 12 month qualifying period)
Sight / vision benefit
Dental and Optical - No	Treatment for accidental dental injury up to £1,500 : €1,650 : $2,250
Dental and Optical - Yes	Dental and Optical Two routine dental examinations up to £200 : €220 : $300. Routine dental treatment up to £500 : €550 : $750 member pays first 20% of each bill. Restorative dental works for example, bridges, dentures and braces up tp £1,000 : €1,100 : $1,500 member pays 50% of each bill. Routine sight examinations, glasses or contact lenses. Up to £200 : €220 : $300. Optical benefit covers glasses and contact lenses needed If a prescription changes.
Stabilisation of acute chronic episode
	Covered under the chronic conditions and palliative care section.
Well Baby Examination
	Not covered
Other benefits
Reduced out-patient - No	Treatment by a medical practitioner Up to £2,500 : €2,750 : $3,750 for Consultations and tests*
Reduced out-patient - Yes	Reduction on additional benefits Treatment by a medical practitioner cover removed

Key Facts - In-patient & Day Case Charges

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

Full refund within the annual benefit limit

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund within the annual benefit limit

Physicians fees & diagnostic tests

Full refund within the annual benefit limit

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full refund within the annual benefit limit

Organ transplant

Not covered

Outside area of cover limit for USA / Canada

Regional extension for emergency evacuation and treatment is covered for up to 60 days

Prosthetic devices

Not Covered [Surgical or medical appliances, such as neurostimulators (for example, cochlear implants) are not covered. However, prostheses inserted into the body during the course of a surgical procedure or those covered under the Increased Out-patient module are]

Psychiatric treatment

Full refund (up to 30 days)

Key Facts - Out-patient Charges

Complementary medicine

Increased cover as an O/P - No

Not covered

Increased cover as an O/P - Yes

Increased cover as an out-patient
Alternative and complementary therapies cover for consultations, treatment, drugs and dressings with the following practitioners: Chinese medicine, chiropractic, osteopathy, acupuncture, homeopathy, chiropody and podiatry* up to £2,500 : €2,750 : $3,750

Diagnostic tests (excluding scans)

Reduced out-patient - No

Full refund *

Reduced out-patient - Yes

Reduced out-patient
Up to a combined limit of £2,500 : €2,750 : $3,750 for Specialist consultations, Diagnostic tests, Surgical procedures, Physiotherapy*

GP referred consultations

Reduced out-patient - No

Full refund * on Specialist referral

Reduced out-patient - Yes

Reduced out-patient
Up to a combined limit of £2,500 : €2,750 : $3,750 for Specialist consultations, Diagnostic tests, Surgical procedures, Physiotherapy*

Physiotherapy consultant referred

Reduced out-patient - No

Full refund * on Specialist referral

Reduced out-patient - Yes

Reduced out-patient
Up to a combined limit of £2,500 : €2,750 : $3,750 for Specialist consultations, Diagnostic tests, Surgical procedures, Physiotherapy*

Physiotherapy GP referred

Increased cover as an O/P - No

Not covered

Increased cover as an O/P - Yes

Increased cover as an out-patient
Up to 10 sessions per policy year*

Psychiatric cover

Increased cover as an O/P - No

Not covered

Increased cover as an O/P - Yes

Full refund (up to 30 days)

Radiotherapy / Chemotherapy

Full refund * on Specialist referral

Scans - MRI / CT / PET

Full refund *

Surgical Procedures

Reduced out-patient - No

Full refund *

Reduced out-patient - Yes

Reduced out-patient
Up to a combined limit of £2,500 : €2,750 : $3,750 for Specialist consultations, Diagnostic tests, Surgical procedures, Physiotherapy*

Vaccinations administered by a medical practitioner

Reduced out-patient - Yes

Reduction on additional benefits
Cover removed

Reduced out-patient - No

Up to combined benefit limit with prescribed drugs, dressings and vaccinations up to £1,500 : €1,650 : $2,250

Key Facts - Additional Benefits

Cash benefit if the treatment is received completely free of charge

£150 : €165 : $225 per night. Up to 28 nights when undergoing treatment covered by the policy

Nursing at home

Up to 28 days. Immediately following eligible treatment as an in-patient or day-patient*

Parental accommodation

Full refund with child 18 and under undergoing eligible treatment, one parent only

Private ambulance

Full refund *

Additional Benefits

24 Hour emergency helpline

- Medical information and help, 24 hours a day, 365 days a year
- Telephone access to qualified doctors and nurses
- Opportunity to discuss medical concerns in complete confidence

Accompanying relative travel & accomodation

Full refund of reasonable costs incurred in connection with the evacuation of a member including the costs of one other accompanying member
Full refund of transport necessarily incurred in connection with benefits under the policy
Up to £100 : €110 : $150 per night to a total of £2,000 : €2,200 : $3,000 for accommodation costs (other than at a hospital) incurred in connection with evacuation

AIDS / HIV treatment

Up to £5,000 : €5,500 : $7,500 (*)

Alcohol & drug abuse

Not covered

Annual maximum limit

£5,000,000 : €5,500,000 : $7,500,000

Children covered

21 years of age, optional to increase to 24 either in FTE or irrespective of FTE

Chinese medicine

Increased cover as an O/P - Yes

Increased cover as an O/P - No

Not covered

Chiropractors & Osteopaths

Increased cover as an O/P - Yes

Increased cover as an O/P - No

Not covered

Chronic conditions & palliative care

Reduced out-patient - No

Up to a maximum of £15,000 : €16,500 : $22,500 per year per member for routine maintenance of chronic conditions*

Reduced out-patient - Yes

Reduction on additional benefits
Cover removed

Compassionate home visit

Compassionate travel - No

Not covered

Compassionate travel - Yes

Compassionate travel
Up to £1,000 : €1,100 : $1,500 for economy return flight (or equivalent) following the death of a close relative
Up to £1,000 : €1,100 : $1,500 for return home to recuperate following eligible evacuation
Repatriation if treatment is not available locally full refund, only available to a country in the same region or a lower region than the one you choose.

Cover for new born children

Up to £100,000 : €110,000 : $150,000 for treatment for conditions that occur during the first 112 days following birth; benefit limit applies for the life of the policy

Cremation / burial or repatriation of remains

Local burial or transport of mortal remains up to £5,000 : €5,500 : $7,500

Dental treatment

Up to £1,500 : €1,650 : $2,250 for treatment for accidental dental injury*

Reduced out-patient - Yes

Reduction on additional benefits
Cover for accidental dental injury is removed

Dental and Optical - Yes

Dental and Optical
Two routine dental examinations up to £200 : €220 : $300.
Routine dental treatment up to £500 : €550 : $750 member pays first 20% of each bill.
Restorative dental works for example, bridges, dentures and braces up tp £1,000 : €1,100 : $1,500 member pays 50% of each bill.
Routine sight examinations, glasses or contact lenses. Up to £200 : €220 : $300.
Optical benefit covers glasses and contact lenses needed If a prescription changes.

Emergency medical evacuation & medical repatriation

Extended care facility

Not covered

Health Screening

Wellness - No

Not covered

Wellness - Yes

Wellness
Up to £500, €550 or $750 aggregated total provision for routine tests and examinations consisting of pap smears, mammograms, prostate screening, gynaecological examinations, routine physical examinations, X-rays, laboratory blood tests. Member pays first 20% of bills

Hormone replacement therapy

Not covered

Infertility investigations

Full refund for all reasonable costs

Maternity cash benefit

Not covered

Organ Transplants

Not covered

Overseas cover

Regional extension for emergency evacuation and treatment is covered for up to 60 days

Personal & total disability benefit

Not covered

Policy excess

* An excess of £25 or €27.50 or $37.50 applies and is payable per member per claim per policy year, unless an alternative excess is chosen.
An alternative to the standard excess
£100:€110:$150 = 5% premium discount
£250:€275:$375 = 10% premium discount
£500:€550:$750 = 15% premium discount
The excess chosen applies per claim per member per policy year. (It does not apply to in-patient or day-patient benefits, or to benefits that include co-payment). If an excess of £100, £250 or £500 is chosen you cannot also choose the reduction on additional benefits or reduced out-patient cover options.

Pre-existing conditions

Not covered

Pregnancy complications

Maternity cover - No

Not covered

Maternity cover - Yes

Maternity cover
Full Refund (Subject to a 10 month qualifying period)

Presciption drugs, dressings and medicines

Reduced out-patient - No

Up to £1,500 : €1,650 : $2,250 for prescribed drugs and dressings* Combined benefit limit with vaccinations

Reduced out-patient - Yes

Reduction on additional benefits
Cover removed

Rehabilitation

We do not cover rehabilitation unless it takes place as an in-patient immediately following treatment covered by the policy, and then only for a maximum of 14 days per medical condition per policy year

Routine maternity cover

Maternity cover - No

Not covered

Maternity cover - Yes

Maternity cover
Up to £10,000 : €11,000 : $15,000 (Subject to a 12 month qualifying period)

Sight / vision benefit

Dental and Optical - No

Treatment for accidental dental injury up to £1,500 : €1,650 : $2,250

Dental and Optical - Yes

Stabilisation of acute chronic episode

Covered under the chronic conditions and palliative care section.

Well Baby Examination

Not covered

Other benefits

Reduced out-patient - No

Treatment by a medical practitioner
Up to £2,500 : €2,750 : $3,750 for Consultations and tests*

Reduced out-patient - Yes

Reduction on additional benefits
Treatment by a medical practitioner cover removed


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