Aviva helps customers control the cost pf their PMI with Healthier Solutions

Article date: 11 February 2010

Aviva UK Health announced today that it is further increasing the cost-saving options available from its Healthier Solutions individual health insurance product. In direct response to customer feedback, Aviva has now added two new reduced out-patient benefit options and a choice of higher excess options, both offering customers significant premium discounts.

Customers can now choose to reduce the out-patient cover available as standard on Healthier Solutions by selecting either a £500 or £1,000 limit (per person per policy year) for specialist consultations, diagnostic tests,  specialist referred treatment by a physiotherapist, chiropractor or osteopath and psychiatric treatment as an out-patient.

Customers choosing a £500 out-patient  benefit  limit will receive a 30%1 discount off their premium and those choosing a £1,000 limit will receive a 15% premium reduction.

In addition, Aviva has also added two new high excess options. Customers can now benefit from up to 65% reduction on their premiums by choosing a £5,000 excess and a 50% reduction for the £3,000 excess. Aviva also offers a no excess option and a choice of £100, £200, £500 and £1,000 excess, all payable per person per policy year. The discounts for these options range between 5% and 35%.

Neal Archbold, head of propositions management & market development, Aviva UK Health said: “Aviva is committed to offering flexible private health insurance solutions that meet our customers’ changing needs. Whilst many of our customers still want the extensive cover available as standard on the policy, intermediary feedback showed that there is an increasing appetite for higher excess options and reduced out-patient cover, similar to the popular option we already offer on our Solutions product for group schemes. 

“We’ve responded to this need by introducing two new excesses and our reduced
out-patient options. While we recognise that the high excess option won’t appeal to everyone, it gives those customers who are happy to contribute towards their medical treatment the choice to do so in return for significant premium discounts.

“The reduced out-patient option enables customers to control the cost of their medical insurance by cutting back on additional out-patient treatment that they can either access on the NHS or afford to pay themselves, whilst still giving them the re-assurance that they have cover for prompt diagnosis and costly in-and-day patient treatment.”

Introduced to replace its Health Solutions product, Healthier Solutions follows the same modular approach enabling customers to either enhance or reduce core benefits to suit their needs and budgets.

In addition to the extensive benefits available from the original Health Solutions product, Healthier Solutions saw the introduction of a number of additional benefits designed to help customers contain the cost of their medical insurance. These included:

  • Protected No Claim Discount option - meaning that if customers make a claim they won’t drop down the scale. The maximum No Claim Discount is 75%.
  • MyHealthCounts – offering customers help and advice to help them lead a healthier lifestyle and rewarding them with up to 15% discount off their next renewal premium for doing so. 

Healthier Solutions’ flexible structure, generous benefits and competitive price make it one of the most appealing individual private health insurance products in the market. The addition of the reduced out-patient option and higher excesses means that it now offers increased choice for both intermediaries and their clients. 

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For further information, please contact:
Amber Scott (nee Chable)
PR and Marketing Communications Manager, Aviva UK Health
Telephone: 023 8035 9383
E-mail: amber.chable@aviva.co.uk

Notes to editors:

1 All discounts quoted are off the base rates (ie the standard premium before any other discounts are applied). If more than one option is chosen discounts or loadings will be applied on a multiplicative basis.

Health and Wellbeing from Aviva
Established in 1990 as the healthcare arm of Norwich Union, Norwich Union Healthcare was re-branded to Aviva in 2009. We provide a range of private medical insurance, income protection, occupational health and group life products and services that cover over 2,400,000 lives. We are one of the largest providers of income protection, group life and private medical insurance in the UK.

Norwich Union Occupation Health, a sister company of Norwich Union Healthcare, was also re-branded to Aviva in 2009. Occupational Health provides occupational health solutions and services to a wide range of industry sectors. By utilising their large fleet of purpose built mobile clinics and approved medical centres, staffed by a team of experienced occupational physicians and nursing staff, the services are designed to meet the individual needs of clients.

Aviva Health UK Limited is authorised and regulated by the Financial Services Authority and is a member of the Association of British Insurers and the Financial Ombudsman Service.

Aviva’s news releases and a selection of images are available from Aviva’s internet press centre at www.aviva.com/media.

About Aviva
Aviva, the international savings, investments and insurance group, is the world’s fifth largest insurance group, serving 50 million customers across Europe, North America and Asia Pacific. 

In the UK, Aviva is a leading provider of life, pensions, investment, general insurance and health products to more than 20 million customers. Aviva also provides roadside assistance through RAC. Products are distributed through a number of channels including IFAs, brokers, corporate partners and direct to customers via the internet.

Aviva's UK Insurance business has a market share of around 15%, making it the largest general insurer in the UK. The business is focused on insurance for individuals and small businesses.

Aviva's life and pensions business in the UK has a total market share of 12% and a top three position in its key markets of savings, protection, and annuities.

Aviva’s news releases and a selection of images are available from the internet press centre at www.aviva.com/media.

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