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Speedy Diagnostics
A straightforward diagnostic policy

Helping to find out what’s wrong, quickly

Speedy Diagnostics simply helps your clients beat the waiting lists to find out what’s wrong. It is a policy that’s significantly cheaper than traditional PMI because it doesn’t pay for any treatment.

Health Insurance Awards 2016

We did it! For the 7th year running, Aviva UK Health has been crowned Health Insurance Com…

It’s important to fully understand this product’s details as this will help you conduct a compliant sale. Full details of cover, options and exclusions are listed in the product’s brochure (PDF 2682KB) and general terms and conditions (PDF 975KB). Non-standard terms may apply to your client's policy.

Speedy Diagnostics helps your clients ‘jump the queue’ when there are waiting lists to get a diagnosis. With prompt access to consultants, there’s no waiting lists, no fuss, and there are no limits to the amounts we will cover for your clients’ diagnosis.

  • Prompt access to a diagnosis with a specialist – no waiting list, no fuss
  • Cover for diagnostic tests such as MRI scans, X-Rays, blood tests and ECGs
  • Hospital and specialist charges for in and day-patient diagnostic tests
  • Access to our 24-hour GP and Stress Counselling helplines*

* This benefit is available to members aged 16 and over.

Why diagnosis only?

Affordability may prevent some of your clients buying a traditional PMI product. But a simple policy that just helps them find out what’s wrong may give them the reassurance they’re seeking at a price they can afford.

With lengthy waiting lists in mind, we believe that diagnostic products are a good alternative for clients who have a low income but still want access to prompt diagnostics for themselves or their families.

We’ve set out our overview of Speedy Diagnostics in three areas. These describe what Speedy Diagnostics can cover, what it cannot cover, and the additional value that’s included free of charge. It’s important that your clients understand this product will not pay for medical treatment – it only pays for the initial diagnosis.

Cover provided by Speedy Diagnostics

Speedy Diagnostics helps your clients find out what’s wrong with their health. It provides prompt access to the initial diagnosis of a medical problem. We pay for:

Diagnostic tests as an out-patient

  • No limits on specialist consultations for diagnosis
  • Specialist fees for diagnostic procedures up to the limits in our fee schedule
  • Diagnostic tests such as blood tests, X-rays, scans, ECGs and MRIs (out-patient MRI, CT and PET scans are covered at recognised diagnostic centres only)

Diagnostic tests as an in-patient or day-patient

  • Specialist fees for diagnostic procedures up to the limits in our fee schedule
  • Hospital charges (accommodation and meals, nursing care, theatre fees, drugs and surgical dressings) for diagnostic tests such as endoscopy or removal of tissue for biopsy

Health and wealth: with our 15 level no claim discount (NCD), your clients’ discounts increase by one level each year they don’t claim, up to a maximum of 75%. However, if your client does make a claim, their NCD will drop by three levels.

Cover not provided by Speedy Diagnostics

It’s important that your clients understand treatment is not covered by Speedy Diagnostics. If they need treatment after a diagnosis, they’ll need to use the NHS or pay for private treatment themselves. Speedy Diagnostics does not cover:

  • Consultations and tests made after a specialist has diagnosed your client
  • Routine medical examinations and screening
  • Diagnostic tests ordered by a GP without referral to a specialist
  • Diagnostic tests to find the cause of infertility
  • Diagnostic tests related to sleep disorders
  • Treatment of any kind
Added value benefits included as standard

These features are included at no extra charge with every Speedy Diagnostics policy. They can be seen as additional levels of reassurance for your clients, and help you demonstrate the value of having a Speedy Diagnostics policy in place:

  • 24-hour GP helpline and 24-hour stress counselling helpline*
  • Up to 25% off membership at a range of UK gyms and health clubs

* This benefit is available to members aged 16 and over.

A product that doesn’t provide treatment may strike your clients as unusual. But Speedy Diagnostics can be an ideal solution for someone who wants the reassurance of knowing that waiting lists won’t be a problem if they need to find out what’s wrong. You’ll find more details in our customer-facing Speedy Diagnostics literature under the Documents tab on this page, along with all the application documents your clients will need.

Renewing Speedy Diagnostics

Our Speedy Diagnostics policies renew annually on the date the policy started. About 30 days prior to renewal, we’ll send out their new documents. You can ask us to copy you in on that notification – it’s an ideal opportunity to talk about upgrading to a more extensive PMI product. The renewal packs include information about any changes in premium; a copy of the policy; a new policy schedule and details of any changes that apply to the cover.

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Speedy Diagnostics. Which documents should you use?

Our documents help clients understand what our policies are designed to do. They can also help you introduce the benefits of each product to your client.

Speedy Diagnostics literature describes the way this policy works, and what it does and does not cover. It’s a useful guide for you as it helps you ensure your client understands the product’s limitations. It’s important that you get to know these documents well as they will help you conduct a compliant sale.

These documents help you make applications (post 1 January 2013)

Speedy Diagnostics – application form (PDF 446KB)

Applying for Speedy Diagnostics couldn’t be easier. Simply call the Healthcare Bureau on 0800 056 2594 and get a quote straight away – or use our online Quote and Apply portals. Calls to and from Aviva may be monitored and/or recorded.

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We can help you sell Speedy Diagnostics

We can help you introduce Speedy Diagnostics to your clients as a low cost policy that helps them get a prompt diagnosis when something’s wrong with their health.

While a healthcare product that does not offer treatment may be an unusual concept, our Speedy Diagnostics policy could be the ideal solution for clients who are struggling with affordability levels. These ideas could help you identify clients for whom Speedy Diagnostics is a natural step.

Finding the right clients
  • Clients who need to reduce costs – sometimes, through no fault of their own, clients need to re-prioritise their finances, perhaps due to a change in income or family circumstance. If clients want to cancel a PMI policy, then Speedy Diagnostics could reassure them they’ll still have access to specialist diagnostics – with treatment provided by the NHS.
  • Clients who want to help grandchildren – Grandparents often want to offer practical help without interfering in the way families are run. With reduced retirement income, grandchildren can be covered at relatively little cost. Speedy Diagnostics automatically gives access to 24-hour GP phone support to the children’s parents – very useful with little ones.
  • Clients who want peace of mind – if your clients indicate they appreciate the reassurance provided by an insurance policy, the concept of Speedy Diagnostics will probably appeal to them. It can be good to know that there’s no need to join a waiting list: clients will enjoy prompt access to consultants who can let them know if something’s wrong straight away.
Overcoming objections

Providing their objective is diagnosis, not treatment, Speedy Diagnostics can in itself overcome the objections to cost that clients sometimes raise regarding PMI. It is relatively cheap, yet still includes access to our added value benefits such as 24-hour GP helplines and discounts at a range of UK gyms. Here are some of the most common objections to recommendations for a Speedy Diagnostics policy.

  • “I want to get better – not just find out what’s wrong.”
    The NHS does provide free healthcare for all based on need, not on ability to pay. If affordability is an issue, then Speedy Diagnostics is a first practical step to beating the waiting lists for a diagnosis. From there, your client can take advantage of free healthcare services or pay for treatment privately.
  • “My doctor’s never too busy for me – I’d be fine.”
    It may be relatively easy to book in with a GP, but it can be more challenging to get a consultation with a specialist. With Speedy Diagnostics in place, clients don’t have to wait weeks for an appointment. Even for minor issues, in the majority of cases they’ll see a consultant within days of being referred by their GP.
  • “If I’m that ill, I’d go along to A&E…”
    But what about a mild condition, one for which you’d just like peace of mind, such as dull ache or pain that doesn’t need urgent treatment? An A&E department is unlikely to be prepared for the diagnosis of mild conditions at short notice, and children often struggle to accurately articulate ‘a pain’. Speedy Diagnostics guarantees access to diagnostic tests.
  • “Just diagnosis? It’s not worth it…”
    Early diagnosis is the key to making a prompt recovery for many serious conditions. We believe it’s widely accepted that early detection of cancer greatly increases the chances for successful treatment. In the same way, the earlier autism is diagnosed, the more likely it is that intervention could improve a child's life and help them reach their full potential. In older individuals, an early diagnosis of dementia is vital in helping improve the treatment, information and care given to people who will be coping with this condition.
  • “I’ve already got a PMI policy through work.”
    That’s excellent news – but does it cover everyone else in the family? Speedy Diagnostics can be used as a complementary product, offering diagnostic peace of mind to individuals not covered by an employer’s scheme.

Alternatives to Speedy Diagnostics

A cash plan may be worth considering as a complement to Speedy Diagnostics, if extensive PMI is not an option due to affordability. My Health Cash Plan is a policy that helps your clients budget for some of the day-to-day healthcare costs they could expect to pay during the year.

We’re here to help you

We’re here to help you explain the benefits of Speedy Diagnostics clearly to your clients. We have a team that’s ready to answer any questions you – or they – may have about this diagnostic policy.

Call the Healthcare Bureau: 0800 056 2594
Monday to Friday 9.00am – 5.00pm

For policy quotes, please email:
Calls to and from Aviva may be monitored and/or recorded

Speak to our specialist healthcare advisers. We’re ready to offer advice, help you process an application, and give you support that will help you present Speedy Diagnostics with confidence to your clients.

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What makes our policy different?

In addition to beating the diagnostics waiting lists, your clients can also access the added value benefits that we include, free of charge, with every Speedy Diagnostics policy.

Looking after health matters

Speedy Diagnostics may be the right product for your client, when they can’t afford traditional private medical insurance (PMI) but do want to start looking after their health more on a limited budget.

We designed Speedy Diagnostics to help your clients get health problems identified quickly. But because we focus on staying healthy, too, we’ve included additional benefits such as access to 24-hour helplines, and discounts at a range of UK gyms and health clubs.

Why choose Aviva’s Speedy Diagnostics policy?

  • Speedy Diagnostics is a straightforward, affordable diagnostic policy. Not everyone can afford traditional PMI cover. With reports about lengthy waiting lists still in the news, this product provides reassurance about guaranteed access to a prompt diagnosis for your clients.
  • It’s a product that’s supported by our 24-hour helplines. For any medical concern, clients are welcome to use the 24-hour GP helpline or, if appropriate, the 24-hour stress counselling helpline* service that we provide free of charge with this policy. * This benefit is available to members aged 16 and over.
  • Speedy Diagnostics offers an opportunity to save money at renewal. With our 15 level no claim discount, your client's discount will increase by one level each year they don’t claim, up to a maximum of 75%.
  • We help remove the stresses associated with making an insurance claim. If your clients do need to make a claim on their policy, we’ll do our best to help things go smoothly. That means your client can concentrate on getting the diagnosis that will help them understand what’s wrong with their health. Most claims can be approved over the phone, with paperwork being organised afterwards.
  • Speedy Diagnostics is an example of the way we evolve our products. Because we stay abreast of clinical issues, we’re aware that prompt diagnosis is becoming increasingly more important in identifying, informing and treating many medical conditions.

As a result of our focus on delivering high levels of healthcare expertise, for the sixth year running, we were voted Health Insurance Company of the Year at the Health Insurance Awards 2015. When you tell clients about these awards, it helps build confidence in making a purchase.

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Speedy Diagnostics claims – what happens next?

Making a claim on a Speedy Diagnostics policy is straightforward. It’s useful to know how this process works, so that you can explain it to your clients.

Your clients should find all the information they need to start a claim in their policy documents. But they may call you first for advice. If that happens, and a GP has referred your client to see a specialist for diagnosis consultation or tests, they need to call us before making the appointment. It will help us if your clients have some details to hand when they phone in, but we'll do everything we can to help. They should:

Call the claims team: 0800 158 3333
Monday to Friday 8.00am – 6.00pm

Saturday 8.00am – 1.00pm
Calls to and from Aviva may be monitored and/or recorded

  • We'll ask for their personal details, including their Speedy Diagnostics policy number
  • We’ll ask for a brief description of the symptoms and what the GP has said
  • We’ll also ask for the name of the specialist they’d like to see and where they practice

If your clients have an open referral, they may not know the specialist’s name. If that's the case, then we'll just need to know which kind of specialist they need to see. With confirmation that the appointment and tests will be covered, your client can then go ahead, safe in the knowledge that we’ll cover the costs up to a diagnosis being made. That includes all out-patient, day-patient and in-patient diagnostic expenses associated with an initial diagnosis – up to the limits in our fee schedule for specialists’ diagnostic procedure fees.

Responding promptly

We understand that your clients may be anxious about a diagnosis, so we’ll do our best to approve eligible costs as quickly as possible.

Clinicians are on hand in each of our claims teams to give our phone staff detailed support, providing medical insights as necessary to make sure patients get the best possible tests that will aid diagnosis.

Settling the bills

We can settle most bills directly with the specialist or hospital. Then, while we take care of the bills, your clients can concentrate on their health.

Most will be sent straight to us, but if your clients do get a bill at home, they can forward it on to us at:

Bill Payment Team,
Aviva Health UK,
Chilworth House,
Templars Way,
SO53 3RY

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Can we help you?

Think of us as part of your team. For help or queries, call us on:

0845 3000 649*

9.00am – 5.00pm, Monday – Friday

For policy quotes, please email:

*Calls to and from Aviva may be recorded and/or monitored

Health Insurance Company of the Year

Health Insurance Company of the Year – 6th year running

Best Online Service to Intermediaries