Aviva private medical insurance
“Aviva” is a multinational insurance company that is headquartered in London, United Kingdom. The company has around 43 millions clients all around the world and has established branches in 21 country. By net premium income “Aviva” is the sixth largest insurance company in the world and the biggest general and life insurance provider in United Kingdom. The company with its original name is relatively young because it was founded only in 2000. However, the company can trace back its history back to the end of 17th century. This means that “Aviva” has more than 300 years of experience in insurance business. The company established a powerful and reliable brand name that contains three businesses: life insurance, general insurance and asset management. “Aviva” means “life” in Latin language. This name was chosen by the stockholders to be memorable, short and easily recognized. At the moment “Aviva” offers 6 different health insurance products: private health insurance, health cash plan, diagnostics insurance, child health insurance, international health insurance and income protection insurance.
Private health insurance
This plan is called Healthier Solutions. This is a private health insurance and helps people to get the medical treatment in the nationwide network of hospitals in United Kingdom. The plan covers: hospital charges and diagnostic tests such as CT scans or X-rays, radiotherapy and chemotherapy treatment. What is more, the plan includes Cancer Cover and generous no-claim discounts and gym benefits. It is important to know that pre-existing conditions are not covered.
Health cash plan
Health cash plan was created in order to help the clients to manage day-to-day healthcare bills. To put it simply, when the person gets sick and needs medical assistant, he goes to the doctor and pays for the expenses himself. Then the insurance institution pays him the money back up to the maximum amount that is stipulated in the insurance contract. This plan has a qualifying period, which means that the person will not be able to use the benefit during the first month of the policy. However, some treatments include longer qualifying periods than one month. As a result, a person has to read the contract very carefully before signing it. The benefit covers 100% of dental costs up to £250, 80% of physiotherapy, osteopathy, homeopathy, acupuncture or chiropractic treatment costs up to £150, 80% of the costs of GP charges and prescriptions, 80% of the costs of a health screen up to £100 every two policy years. The plan also includes Baby Bonus. This means that a person gets £200 for every baby he has or adopts after more than 10 months pass by after the purchase of the cover.
Speedy diagnostics health insurance is an alternative to full private health insurance that can be very expensive. This plan helps people to avoid waiting lists and get the initial treatment costs covered. These costs include: specialists consultations for medical diagnostics purposes, diagnostic tests such as CT, MRI, PET scans, X rays and ECGs, hospital and specialist charges for in-patient and day-patient diagnostic tests. This plan is very easy to use. First of all, the person has to visit his GP. GP has to refer the patient to the specialist if it is necessary. The biggest advantage of this benefit is that a person does not have to wait in queues like in case with NHS.
This plan is called Child Care Solutions. The plan is designed in a way to help the child up to age 18 get a prompt medical help. The plan includes both in-patient (hospital charges, specialist’s fees, diagnostic tests, radiotherapy and chemotherapy treatment) and out-patient (consultations with a specialist, blood tests, CT scans, X rays, ECT scans and ECGs, radiotherapy and chemotherapy) treatment.
International healthcare insurance
This plan is called International Solutions. This plan is a great choice for those who travel or work outside United Kingdom, especially in those countries where medical assistance and treatment can be very expensive. The plans gives customers access to unlimited private health care facilities all around the world where high-qualify private treatment will be given to the injured person. What is more, the person is eligible for 24-hours multilanguage health care assistance. The plan also includes My Health Passport. It is an online database where the person can store his medical history. When the insured person needs medical assistance in another country, a doctor there can access a database and view all the details that can be important for the treatment.