Private health insurance

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FAQs about switching

If you're thinking about moving or switching your business's private health insurance policy, you may have questions about the process involved. We'd like to reassure you: we'll do everything we can to minimise disruption to your business when we help you switch. If these FAQs don't show what you're looking for, you're welcome to call us or ask us to call you back.

I'm looking for savings on the healthcare package we provide for employees. Do you need lots of details, for a rough quote?

We think that accuracy and efficiency are important, but we're also aware that time is valuable. We'll need to find out some in-depth details about your employees before giving you a final cost. That's because we want to be sure your staff have the right cover, with the benefits you'd like to provide. Usually though, to provide a quote, we won't need too much information.

Can we get the same benefits from Aviva, at a cheaper price than our current provider?

We would love to say yes, but it is fairer to say that we can't answer that until we've collected details about your company and your employees. Every healthcare provider offers a different group of benefits to their policyholders. We're confident that you'll find Solutions to be a value-for-money, flexible and effective way to provide healthcare for your employees. You can select the options you want, choosing which extra benefits to pay for, or contain your costs by removing cover that isn't required. And we'll always do our best to offer you the most extensive policy we can at a price you can afford.

Will you need copies of our old policy?

We'll need to see your current membership certificate, which you can post or fax to us. By using this information as the basis for our underwriting, we can save you time and money - as there will be no detailed medical forms to complete.

Will there be a lot of paperwork involved?

No one likes filling in paperwork that's unnecessary. We'll do our best to keep forms to a minimum, and may even be able to switch or move your cover over the phone. One of our main priorities is to provide you an excellent service from start to finish. That means making it easy to switch to Aviva.

Is there a difference between 'Private Health Insurance' and 'Private Medical Insurance'?

We say 'private health insurance' most often, but your current provider may call it 'private medical insurance'. Both terms describe the same thing: a policy that helps employees get private treatment could be called private health insurance or private medical insurance.

Will you cover my employees' pre-existing medical conditions?

Yes. But if you want to contain your costs, then you can choose to exclude pre-existing conditions for the people you'd like to cover, or for certain categories of people you want to be on the policy.

Will your list of hospitals be different to my current provider's list?

With Solutions, your employees could have access to over 450 private hospitals and clinics around the UK. These include facilities provided by BMI, Nuffield, Ramsay and Spire hospitals. You can download our hospital list here (PDF 1.70MB) and we divide them into the following lists:

  • Key hospital list Access to a nationwide list of hospitals. This group of over 300 hospitals is automatically included on your policy unless you choose an alternative hospital list.
  • Extended hospital list If you live in the Greater London area, this list gives access to hospitals in addition to those on our key hospital list. This option increases your premium by 30%.
  • Signature hospital list Access to a selected number of hospitals, which could give you savings of up to 40% on your premiums. This list is only available to employees living in Scotland and Northern Ireland.

Remember if we have a network for your employees' conditions or suspected conditions they’ll still need to use our network facility for their treatment rather than a hospital on your chosen list.

What is a network?

We’re developing a number of networks of facilities, specialists or other practitioners that we recognise to provide the treatment required for a specific condition or suspected condition.

By creating networks, Aviva has more control over the treatment pathway. This means we can drive better commercial deals, which helps us maintain affordable prices. What’s more, by controlling the treatment pathway we can give our customers greater assurance when it comes to clinical quality and treatment, and ensure that more treatment can be covered before benefits limits are reached.

Our networks are updated frequently as we work to ensure we get the best possible service for our customers. We regularly add or evolve networks, or in the event that a facility/specialist is no longer suitable for a network we may remove them. Please contact our claims team before arranging any treatment.

Contact our claims team on 0800 158 3344. Our lines are open from 8am-8pm Monday to Friday and 8am-1pm on Saturdays.

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