Aviva Healthier Solutions Explained: Every Cover Level, Limit, and Add-On

Private health insurance can be complicated to navigate. There are many policy options and exclusions to learn about. More importantly, is the Aviva Healthier Solutions worth it?

In this guide, we will go through the Aviva medical insurance reviews that new customers need to know. Whether you are placing a policy for yourself or your family, you deserve to know how you are protected.

What Is Aviva Healthier Solutions?

Aviva Healthier Solutions is a private medical insurance product. It covers private medical treatments and healthcare services for policyholders.

Availability
The policy is basically available to everyone. Individuals, couples, families, and businesses… Customers can build a policy around their healthcare needs.

Medical Access
The core purpose of this policy is to provide access to quicker specialist consultation, diagnostic tests, and private hospital treatments. There may also be other wellbeing services available.

24/7 support
Policyholders can get 24/7 professional support. Whether you want to speak to a GP or arrange a physical appointment, the online system is simple to navigate.

What Treatments and Services Are Included?

While exact benefits depend on the cover selected, Aviva Healthier Solutions typically includes several key areas of private healthcare.

Inpatient treatment
The policy will mainly cover private hospital accommodation, surgical procedures, and consultation fees.

Cancer cover
Cancer is one of the most alarming illnesses. Aviva Healthier Solutions usually covers specialist appointments, scans, and follow-up monitoring.

Mental health support
Public NHS support for mental health has always been scarce due to limited resources. A private cover can provide faster access to psychiatric assessments and treatment programs.

Coverage Limits Explained in Simple Terms
Even with insurance cover, policyholders are usually restricted by certain limits.

Claim limits
Some benefits may include annual claim limits or maximum treatment allowance. Depending on the chosen cover level, the limits will differ.

Excess
Excess sets the limit you will pay before your insurance kicks in. You can negotiate the excess amount according to the premium.

Location restrictions
Some policies may restrict the hospital list. You may only receive covered treatments in some locations but not in others.

Hospital Networks and Access to Care
Healthier Solutions allows policyholders to choose from different hospital access options.

National access
Higher-tier options generally provide access to a broader range of private hospitals and treatment centres throughout the UK. You are protected whenever you need specialised care in other parts of the country.

London access
Hospitals in central London are often more expensive. Customers who need access to London facilities are likely to pay more.

Restricted network
Lower-cost options may impose restrictions on the facilities you can access. You may only receive treatments from selected hospitals.

Every Optional Add-On Available

Aviva Healthier Solutions offers excellent flexibility with its optional add-ons. You can include selected services that meet your needs.

● Extended outpatient cover
There is greater protection for consultations, diagnostics, and procedures.
● Greater mental health cover
You may be entitled to more specialised treatment or virtual support.
● Therapies
Enhanced access to physiotherapy, chiropractic treatment, and rehabilitation services
● Dental and optical cover
The NHS does not cover a lot of the non-medical dental and optical needs. But private insurance can provide benefits for routine dental or optical expenses.

What Is Not Covered?

Like all private medical insurance policies, Healthier Solutions contains exclusions. You may be able to negotiate a deal to tailor a package.

● Pre-existing conditions
Conditions that were present prior to joining the policy are typically excluded. Some providers may offer exceptions under specified circumstances.
● Cosmetic procedures
Non-medical beauty treatments are usually not included in the policy.
● Experimental treatments
Unproven medical procedures in unauthorised facilities may not qualify for cover.

How Much Does Aviva Healthier Solutions Cost?

The actual cost will vary depending on the person. It depends on these factors:

● Age
● Location
● Medical history
● Smoking status
● Coverage
● Hospital network options
● Excess
● Optional add-ons

Basic cover may start at £30 per month, while comprehensive plans can go for £150+ per month.

It is always better to speak to a licensed health insurance provider like PremierPMI for the most accurate pricing. You can compare health insurance plans to find one that meets your needs.

How the Claims Process Works

The claims process is designed to help you stay stress-free. Aviva Healthier Solutions will pay your service provider directly.

● Step 1: Visit your GP
Arrange a consultation to get an initial diagnosis and referral.
● Step 2: Contact Aviva Healthier Solutions
Tell Aviva about the proposed treatments to get approved.
● Step 3: Receive your treatment
Once everything is set, you can receive your treatment without worrying about paying. Aviva will pay them directly.

In conclusion

Aviva Healthier Solutions offers flexible private medical insurance options. There are different levels of cover and optional add-ons to fully meet your needs. Speak to your agent to get a tailored package and get covered effortlessly.