What can this product cover?

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Our private health insurance product, Healthier Solutions, offers prompt access to treatment, through a nationwide network of hospitals (PDF, 2.03MB), when you or a family member are feeling unwell.

It’s important to know that pre-existing conditions aren’t covered. We know there’s a lot to take on board so, to help you, we’ve added the policy brochure and terms and conditions to this page as PDFs.

Core cover includes…

Healthier Solutions covers acute conditions that start after your policy begins. Here are just some of the benefits included in Healthier Solutions’ core cover. There are others and you’ll find these in our Healthier Solutions brochure (PDF, 2.68MB) – and, if you want to, you can increase your core cover, thereby increasing your premiums, or decrease the cover and reduce your costs.


  • Hospital fees at a private hospital on your list (PDF, 2.03MB).
  • Specialists’ fees up to the limits in our specialist fee schedule
  • Consultation fees with a specialist
  • Diagnostic tests including X-rays, scans and ECGs
  • Radiotherapy/chemotherapy
  • Surgical procedures on the teeth performed in a hospital
  • Specialist referred physiotherapy, osteopathy and chiropractic treatment
  • Extensive cancer cover, supported by our cancer pledge


  • MyHealthCounts — an online health assessment tool that helps you understand more about your level of health and could help you save up to 15% at renewal
  • Free cover for younger children when taking cover for yourself and your eldest child under 20
  • Guidance from our 24 hour GP helpline
  • Support with our 24 hour stress counselling helpline for members aged 16 and over
  • Access to exclusive discounts and prize giveaways with Aviva Advantages

Further information on core cover

What is an acute condition?

An acute condition is a disease, illness or injury that’s likely to respond quickly to treatment so that you can return to your previous level of health.

Chronic conditions are those illnesses, diseases or injuries that either continue indefinitely, have no known cure, come back (or are likely to come back), need long term monitoring or need ongoing control or relief of symptoms. Chronic conditions aren’t covered by Healthier Solutions.

Extensive cancer cover — included in core cover

We know how important it is to make sure your cover is provided by someone who understands difficult medical conditions like cancer. Our specialist oncology (cancer) team is trained to take your calls, find out how we can help you, and make sure that — if you need to make a claim — you’re getting all the benefits you’re entitled to from our cancer cover.

  • Hospital charges for surgery and medical admissions at a hospital on your list
  • Specialists’ fees up to the limits in our specialist fee schedule
  • NHS cash benefit for cancer treatment
  • Post surgery services - includes specialist services after surgery, like consultations with a dietician or stoma nurse
  • Radiotherapy and chemotherapy, including targeted drug therapies for cancer
  • Bone strengthening drugs (such as bisphosphonates)
  • Treatment prescribed by your specialist for side effects while you are receiving chemotherapy or radiotherapy
  • Up to £100 towards a wig if you suffer hair loss caused by cancer treatment (We will pay £100 in total while you’re a policy member, not per policy year)
  • Up to £5,000 towards the cost of the first external prosthesis following surgery for cancer
  • Stem cell and bone marrow transplants. This includes collection, storage and implantation
  • Monitoring for up to ten years after your treatment for cancer has finished
  • Ongoing needs, like regular replacement of tubes or drains, for up to five years after treatment for cancer has finished
  • Preventative surgery, only if you’ve already had treatment for cancer that we’ve paid for. For example, we will pay for a mastectomy to a healthy breast in the event that you have been diagnosed with cancer in the other breast

End of life care

  • We will pay for end of life care in a hospital if this is medically necessary
  • Hospice donation of £100 per night, up to £10,000 for admissions to hospices
  • Donation of £50 per day to a registered charity if you are visited at home by one of their nurses, up to the £10,000 limit

Build up healthy discounts

  • Up to 25% discount on membership at selected UK gyms
  • By using our My Health Counts online health assessment tool, you could receive a potential discount of up to 15% on your renewal premium.
  • As a Healthier Solutions customer, you’ll also be entitled to other discounts and offers on a range of products and services across the Aviva Group – such as home insurance, life insurance and motor insurance.

Increase or decrease your cover

Healthier Solutions; your options

Ways to enhance your cover

  • Psychiatric treatment
  • Dental and optical
  • Other treatment and therapies including osteopathy, physiotherapy, chiropractic
  • Protected no claim discount
  • Choice of hospital lists

Ways to reduce your cover

  • Six week option
  • Reduced out-patient cover £0, £500 or £1,000 limit
  • Choice of excesses £100, £200, £500, £1,000, £3,000, £5,000
  • Choice of reduced hospital lists

Further information on your cover

You can add any of the following options to your core cover. If you do, then your premiums will increase. It’s also important to know that benefit limits apply:

  • A protected no claim discount
  • Complementary therapies referred by your GP
  • Dental and optical cover
  • Extended hospital list
  • Psychiatric treatment

Or, you can reduce the level of cover on your policy by choosing any of the following options. Your premiums may be lower by choosing them – so these could help you cut the costs of private health insurance.

  • A policy excess, payable towards the cost of your claims
  • Reduced hospital lists
  • Reduced out-patient cover
  • Six week option, which means you won’t be able to claim for in-patient or day-patient treatment, or NHS cash benefit, if the NHS can treat you within six weeks from the date your specialist recommends it.

What’s not covered by Healthier Solutions?

Like most private health insurance policies, Healthier Solutions won’t cover pre-existing conditions. The way we deal with previous conditions will depend on the type of underwriting that you choose. There are also some specific treatments and conditions that aren’t covered by our health insurance. The following list is just a summary of the exclusions and you can find a more extensive list in the Healthier Solutions Terms and Conditions.

Further information on what’s not covered

  • Cosmetic treatment (except following an accident or surgery for cancer)
  • Experimental treatment (This exclusion does not apply to treatment for cancer)
  • Pre-existing conditions
  • Professional sports injuries
  • Treatment by a specialist without your GP’s referral
  • Treatment for pregnancy or childbirth (some complications may be covered if the mother has been on the policy for at least 10 months)
  • Treatment required as a result of war, terrorism or contamination by radioactivity or chemicals
  • AIDS/HIV and related conditions
  • Alcoholism, alcohol abuse, drug abuse, solvent abuse and other addictive conditions
  • Kidney dialysis
  • Psycho-geriatric conditions
  • Self-inflicted injury
  • Sexual dysfunction
  • Sleep disorders and sleep problems such as snoring or sleep apnoea
  • Surgical or medical appliances such as neurostimulators (eg cochlear implants) and crutches
  • Treatment for warts or verrucas
  • Weight loss surgery
  • Charges made by a medical practitioner for completing a claim form
  • Diagnostic tests and treatment for infertility
  • Long term or chronic conditions (This exclusion does not apply to treatment for cancer)
  • Take-home drugs and dressings

Useful documents

A comprehensive private health insurance policy has a range of benefits and features that suit your needs as well as your budget. Find out more about Healthier Solutions in detail, with these documents.

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