New and existing Aviva customers will benefit from extended private health insurance cover from the start of 2013.
Aviva extends its cover
Medical insurance provider Aviva has introduced new benefits and options to its Healthier Solutions plan for individual customers.
In recognition of the rise in mental health illness in the UK, the insurer has improved its psychiatric cover by doubling the outpatient limit within core cover to £2,000 per person per policy year. Nicola Graham, head of commercial and proposition development at Aviva Health, said:
“We’re continually adapting Healthier Solutions to keep up-to-date with medical advances and provide customers with improved cover, in particular in the clinical areas that we know our customers are increasingly requiring treatment, such as talking therapies and psychiatric care."
Aviva has also introduced a £0 out-patient cover option, added to the existing £500 and £1,000 reduced out-patient cover options. Customers who choose the £0 option could see up to a 40% reduction in premiums. The reduced out-patient cover options do not apply to treatment for cancer.
Nicola Graham said: “Healthier Solutions customers can really personalise their level of cover to suit their needs and their budget, and the introduction of the £0 out-patient cover option allows greater choice and will make private medical insurance more affordable for more customers.”
From 2013, each individual member of a policy will also earn their own No Claims Discount, rather than the discount being applied to the policy itself. This means that if one family member makes a claim it will not affect anyone else on the policy.
Customers will also be able to claim up to £250 per policy per year without changing their No Claims Discount status.
Other small changes include a rise in cover from £70 per procedure for minor GP surgery to £100, and full cover for pre-admission tests needed before a stay in hospital. Finally, parents who cover children will be able to claim for two sessions of speech therapy per child per policy year.
The changes will be effective from 1 January 2013 and will apply to existing customers from their next renewal on or after this date. Aviva’s announcement comes after PruHealth made changes to its Vitality scheme.
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