These are some of the FAQs we hear regarding Speedy Diagnostics. We’re always happy to explain our benefits and costs, or find out answers if there’s something else you’d like to know. If these FAQs don’t give you the answers you need, call our team of friendly experts.
Why doesn’t Speedy Diagnostics cover treatment?
We wanted to offer you a relatively low cost policy that could help you avoid waiting lists and get peace of mind about your health. Speedy Diagnostics costs significantly less than full private health insurance because it doesn’t cover treatment of any kind.
What do I do if I want to include treatment?
If we included treatment, we’d have to charge more for our Speedy Diagnostics policies. If you’d like more extensive benefits, we could talk to you about Healthier Solutions – our private health insurance for individuals. It’s flexible, and there are options you can include that could help you keep the costs down, but it will be more expensive than a Speedy Diagnostics policy.
Where can I get my diagnosis, which specialist can I see?
Your diagnostic tests or consultations are probably available at the hospital of your choice, but we will just need to check when you call for approval of your claim.
Can I cover my family on Speedy Diagnostics?
Yes. Better still, if you cover yourself and your eldest child under 20, we’ll cover all of your younger children for no extra charge.
Will Speedy Diagnostics cover every test?
Speedy Diagnostics covers your initial diagnostics – it helps you to find out what’s wrong as soon as possible. It won’t pay for any subsequent tests for the same condition. So, for example, if you were diagnosed as having an ulcer, then we would pay for the diagnostic tests and we’ll pay for the consultation fee that’s charged when you’re first told about the results.
If you needed to have further tests to find out what kind of treatment you should have, Speedy Diagnostics would not cover those costs.
There are also some diagnostic tests and conditions that we wouldn’t pay for – details of these are included on the What can this policy cover? page, and in your terms and conditions.
So what happens after I’ve been diagnosed?
After you’ve received a diagnosis, you can choose whether to pay for private treatment or be treated on the NHS.
Why do I need underwriting just for a diagnostic policy?
To calculate your premiums fairly, we look at your medical history to work out what risk there is of you suffering from ill health. With Speedy Diagnostics, as with every kind of health insurance, we need to understand your health to make sure that the cover you get is appropriate.
What kinds of underwriting are there?
With Speedy Diagnostics, as with every kind of health insurance, we need to understand your health to make sure that the cover you get is appropriate. This is called underwriting. If you’re transferring to Speedy Diagnostics from another Aviva policy, then you could be underwritten using a medical history disregarded, continued moratorium or continued medical exclusions type of underwriting. Otherwise, we’ll use either full medical underwriting or a moratorium-based policy.
- With full medical underwriting, we’ll ask you to fill out a health questionnaire. This will tell us about any conditions you’ve had. We’ll use this information to specify which conditions, if any, will be excluded from your cover. This means that you won’t be covered for any pre-existing condition unless you declare it and then we decide not to put an exclusion on the policy.
- If your policy is on a moratorium basis, it means that you don’t need to fill out a health questionnaire. But we will not cover any diagnostic tests for pre-existing conditions if you have had symptoms, medication, diagnostic tests, treatment or advice in the 5 years before the start of your policy. However, we will cover the pre-existing condition if you don’t have diagnostic tests, treatment, advice or medication in a continuous 2 year period after joining the policy.
If you have questions about pre-existing conditions, you’re welcome to call and ask us for more information.
Is there a lot of paperwork involved in making a claim?
Most specialists and hospitals will bill us directly, which means that paperwork is kept to a minimum. Better still, over 80% of our claims can be approved over the phone. We will need to see original receipts before we can pay the costs of your diagnosis, and you’ll need to complete any forms that are necessary and return all the original receipts to us as soon as possible. It’s a good idea to take photocopies of the receipts for your records.
More questions? We’re happy to answer them
You can phone us direct on 0800 015 5196, with reference IND SP6.