Private health insurance

FAQs about switching

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If you’re thinking about switching your business’s private health insurance policy, you may have questions about the process involved. We’re always happy to talk over the phone. If these FAQs don’t show what you’re looking for, call us on 0808 115 6495 or ask us to call you back. Calls to and from Aviva may be monitored and/or recorded.

I want to switch our policy to save money. Do you need lots of details for a quote?

We’ll try to make the switching process as stress-free as possible. 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.

Will we get the same benefits from Aviva, at a cheaper price?

We would like 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 will 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. But 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.

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

Private medical insurance doesn’t usually cover existing conditions. But depending on your underwriting criteria, we may be able to remove exclusions in some circumstances.

What hospitals will I be covered for?

With Solutions, your employees could have access to over 450 private hospitals (PDF 1.7MB) and clinics around the UK. These include facilities provided by BMI, Nuffield, Ramsay and Spire hospitals. We divide them into the following ‘lists’:

  • Key hospital list
    Access to a nationwide list of hospitals. This group of around 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 more hospitals in addition to our standard hospital list, but will increase your premium.
  • Trust hospital list
    By choosing to only include private facilities based in NHS/Partnership hospitals, you could reduce your premiums.
  • Signature hospital list
    Access to a selected number of hospitals, which could help reduce your premiums. This list is only available to policy holders 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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