Private medical insurance for 1-249 employees

With free cover for your first month
Terms and conditions apply¹

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Free cover for your first month

The first month is on us as long as you keep the cover in place for a year, and you haven't had a private health policy with us in the last year. Terms and conditions apply 1

Solutions, our private medical insurance for companies

Our private medical insurance can be adapted to your unique business needs. From flexible healthcare options to ongoing support, we're here to help your business and employees when it matters.

Expert Select

We'll find the most suitable specialist and hospital for your employee's condition, giving them a range to choose from.

Enhanced cancer cover

We understand the importance of providing extensive cover and support at every stage of cancer treatment.

Mental Health Pathway

An end-to-end service based on clinical need, guided by clinical expertise, with a range of treatment options and no need to see a GP.

The COVID-19 pandemic

The pandemic affected how your employees could use their PMI policies. We're making COVID-19 Pledge payments to UK customers. Read our FAQs or speak to your usual Aviva contact for more information.

Why choose us?

Solutions is our flexible PMI product for businesses. It gets members access to private medical treatment at a nationwide selection of hospitals and clinics, while its added value benefits can also help support your employees and your business.

Expert Select - our simple approach to accessing quality treatment

With Expert Select you don't need to decide which hospital list will best suit your employees. Instead when they make a claim we'll offer them a choice of on average between 4 and 5 quality assured medical facilities, including leading hospitals. Whats more as we recommend these facilities and specialists there will be no extra charges or bills to pay, we'll settle it all directly.


We want to help you support your employees as they seek to live their best lives. That means encouraging them to consider their wellbeing in terms of everything they do - what they eat, how active they are, their mental health, how they sleep and how they save money.

What's covered with Solutions?

We offer an extensive range of cover to help your employees get back to feeling their best.

Your cover includes

  • Acute conditions
    Our Private Medical Insurance covers treatment for short-term illnesses or injuries that respond quickly to treatment and which leads to a full recovery.
  • Extensive cancer cover
    Extensive cover and support at every stage of cancer treatment.
  • Hospital charges and specialist fees
    Our private medical insurance provides cover for things like consultations, diagnostic tests, such as X-rays and blood tests, specialists' fees and hospital accommodation.
  • Treatment for back, neck, muscle or joint pain (musculoskeletal conditions)
    Solutions includes BacktoBetter, an independent musculoskeletal case management service for members, to help them get better and back to work quicker.
  • Mental Health treatment
    Solutions includes Mental Health Pathway providing your employees with quick access to quality talking therapy and counseling without needing to see a GP, simply call us and we will route them through to our clinical provider for assessment and treatment.  Out-patient limits don't apply to Mental Health Pathway.

You're not covered for

This is a summary of some of the exclusions that apply to your policy, which may change depending on the options selected. Please see your terms and conditions for full details.

  • Chronic conditions
    We don't cover incurable or long- term illnesses or conditions, such as diabetes, epilepsy and asthma. But cancer treatment is covered as standard.
  • Pre-existing conditions
    We don't cover any previous health conditions your employees have prior to your cover starting, unless your underwriting allows it.
  • Addictions and substance misuse
    We don't cover treatment for addictions (such as alcohol addiction or drug addiction) or substance misuse (such as alcohol misuse or solvent abuse), or any related treatment.
  • Pregnancy and childbirth
    We don't cover pregnancy and childbirth or treatment required as a result of pregnancy or childbirth, other than the complications detailed in the terms and conditions.
  • Cosmetic procedures
    We will only cover cosmetic surgery that immediately follows an accident or treatment for cancer. See the policy document for full terms and details.

For a full list of what's not included, see our terms and conditions for Solutions 1-99 employees PDF (597KB) or Solutions 100-249 employees PDF (562MB).

Adapt your cover

You can choose to increase your cover with additional benefits, which will increase your premium. Or, decrease your cover to suit your business needs and budget.

Increase your cover

Increase your cover with these options

  • Dental and optical
    Cover for routine dental treatment, treatment for accidental dental injuries and optical expenses, each up to a specific limit.
  • Mental health upgrade
    Cover for in-patient or day-patient psychiatric treatment through the Mental Health Pathway, up to a combined limit of either 28 or 45 days, if an employee is diagnosed with an acute psychiatric condition. This option cannot be selected if you select the £0 out-patient limit, or for members in Northern Ireland, the Channel Islands, Isle of Man or Isle of Wight.
  • Routine and GP referred services
    Includes consultations and diagnostic tests with a specialist for chronic conditions, GP referred radiology, pathology for non-musculoskeletal conditions and GP referred therapies for non-musculoskeletal conditions - up to £1,000 in combined total for each member, every policy year.
  • Hospital options
    Expert Select, our guided hospital option is included as part of core cover. With Expert Select we will provide your employees with a choice of quality assured hospitals in their local area when they need to make a claim. If you would like your employees to be able to choose specific hospitals in their area to have treatment at, you can choose from one of our hospital lists. The Extended hospital list will give your employees an extensive number of hospitals to choose from.

Reduce your cover

Make your cover more affordable with these policy options

  • Six week option
    Reduce your premium by choosing to use the NHS for in-patient or day-patient treatment if it's available on the NHS within 6 weeks. Your employees will still be covered for private out-patient treatment, but private in-patient or day-patient treatment will only be covered if NHS treatment isn't available within 6 weeks.
  • Policy excess
    Reduce your premium by choosing a £50, £100, £150, £200, £250 or £500 member excess.
    We apply the excess once, for each member, every policy year, regardless of the number of claims made during that policy year.
  • Selected benefit reduction
    This option removes benefit for:
    * treatment for complications of pregnancy and childbirth
    * investigations into the causes of infertility, and
    * surgical procedures on the teeth performed in a hospital.
  • Reduce your out-patient cover
    Reduce your premium by limiting out-patient cover to £0, £1,000 or £1,500 for each member every policy year. Even if you choose one of these options, there will still be full cover for CT, MRI and PET scans, surgical procedures, radiotherapy and chemotherapy, physiotherapy for musculoskeletal conditions through BacktoBetter and pre-admission tests.  Plus the limit doesn't apply to cancer treatment received after being diagnosed with cancer.If you select a £1,000 or £1,500 out-patient limit, there is also full cover for out-patient mental health treatment through the Mental Health Pathway. If you choose the £0 limit, Mental Health Pathway is removed from cover, meaning there is no cover for mental health conditions.
  • Hospital options
    To reduce your premium you can choose one of our reduced hospital lists. The Signature hospital list includes hospitals in Scotland and Northern Ireland only, or you can choose the Trust hospital list of NHS Trust and Partnership private hospital units, if you live within the catchment area.

Cover that matters

With Solutions your employees have access to extensive cancer cover, direct access to both mental health and musculoskeletal treatment through our managed pathways and support for their wellbeing  including our Digital GP service

Cancer cover

We understand the importance of providing extensive cover and support at every stage of cancer treatment. We'll cover the cancer treatment and palliative care your employees need, as recommended by their specialist.

We also want to make sure that things are as comfortable as possible for your employees following their cancer treatment. So we'll provide extensive cover for their aftercare, including consultations with a dietitian, as well as money towards prostheses and a wig.

Mental Health Pathway

Our Mental Health Pathway provides your employees with quick access to quality talking therapy and counselling without needing to see a GP, simply call us and we will route them through to our clinical provider for assessment and treatment. Outpatient limits do not apply to Mental Health Pathway.

We offer a wide range of specialists, through our network of professionals including clinical psychologists, talking therapists, psychiatrists and counselors. Anyone over the age of 11, covered on the policy, can use the Mental Health Pathway.


Musculoskeletal conditions affecting the back, neck, muscles or joints can worsen over time. That's where our BacktoBetter service can help. Your employees will be referred to one of the independent clinical providers who will guide them down the right treatment pathway.

We'll pay for a physiotherapist (as recommended) when they need it. There's no need to see a GP either - your employees can simply call the customer service helpline to access BacktoBetter.


We’re dedicated to helping people live their best lives. That means encouraging them to consider their wellbeing in terms of everything they do – the way they work, what they eat, how active they are, their mental health, how they sleep and how they spend and save money. By promoting healthier habits and incremental shifts in attitudes and actions we help people make informed, balanced and positive lifestyle choices.

How our BacktoBetter service works

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What is BacktoBetter? 

If you have aches or pains in your back, neck, muscles or joints – known as musculoskeletal conditions – you’re not alone. 

As many as one in four UK adults are affected by these conditions. The pain, stiffness and limited movement they cause can have a real impact on your quality of life, and the things that matter most. 

But it doesn’t have to be that way. When you have BacktoBetter on your Health policy or scheme, it’s easy to get the expert treatment you need. Which could help you get better, quicker. 

How does BacktoBetter work? 

With BacktoBetter, whenever you have back, neck, muscle or joint pain, you won’t need to see your GP for a referral. Simply contact our claims team by phone, or through MyAviva, if available on your scheme, to get your claim moving.

To kick things off, our claims team will discuss your symptoms with you. Then, if you’re eligible, they’ll arrange a call with a clinical case manager for a more in-depth assessment, at a time that works for you – which could be there and then. 

Your treatment starts now! 

Your case manager will ask a few key questions about how your symptoms are affecting your daily activities, and will have the expertise to recommend the right treatment for you. They’ll offer advice about how to manage any pain, and explain the best next steps… 

Which might be: 

A guided treatment plan 

That’s advice specific to you and your condition, and easy-to-follow, prescribed home exercises. And with extra online support, you’ll have the tools to help you get back to health. 


Your case manager will set up an virtual or clinic-based appointment with a physiotherapist. You can rest assured that all physiotherapists under the BacktoBetter pathway meet the standards of proficiency set by the Health and Care Professions Council. 

Your physiotherapist may also recommend simple exercises to help with movement and improve strength, until your first session. And don’t worry if you have an outpatient limit, it won’t apply to physiotherapy. 

Along the way, your case manager or Physiotherapist will talk to you about your ongoing treatment. That might include a referral for diagnostic tests and further treatment with a specialist or other health practitioner. 

Because we won’t rest until we’ve done all we can to get you back to feeling like yourself again. 

For full details of cover including restrictions and exclusions, please refer to the terms and conditions documents.

Group scheme leavers

When an employee leaves your company and is no longer covered by your private health insurance scheme, don't forget that they may still be able to continue their cover on an individual policy.

We may be able to give them continued medical cover on one of our individual private health insurance plans, if they seek a quote for the new plan within 45 days of their leaving date, which they must accept within 30 days of receipt. Benefits, exclusions, terms and conditions on an individual plan may differ from those of the company scheme they were previously covered by, and the cost will depend on the product and options they choose.

Employees leaving your company can call us on 0800 142 142 to find out more.

Lines are open Monday to Friday, 9am-5pm and Saturday 9am to 1pm. For our joint protection, telephone calls may be recorded and/or monitored. Calls to 0800 numbers from UK landlines and mobiles are free.

Which policy could group scheme leavers transfer to?

Healthier Solutions is our individual private health insurance which offers a range of tailored cover to suit their needs. The terms, benefits and exclusions may differ from the company scheme they were previously covered by. They can find out more on our private health insurance pages, or call us on the number above.


Get a quote

Need cover for 1 to 99 employees?

0800 158 4055

Use reference: SME-NAT Monday to Friday: 9:00am to 5:00pm

For our joint protection, calls may be monitored and/or recorded.

Need cover for 100 to 249 employees?

0800 001 4272

Use reference: SME-OQR Monday to Friday: 9:00am to 5:00pm

For our joint protection, calls may be monitored and/or recorded.

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How to make a claim

It's quick and easy to make a claim

Step 1

See your GP

Your employee should visit their GP if they're feeling unwell. If their GP wants them to see a medical professional, they should tell them they have private health insurance cover. It's simpler for your employee to ask for an open referral, so we can help find the best medical facility and consultant for them covered by your policy. if you choose our Expert Select hospital option your employees will always need to ask for an open referral.

If they have a mental health or musculoskeletal condition, there's no need for them to see a GP.

Step 2

Call our claims team

Once your employee has been given a referral by their GP, they need to call us to set up their claim.

They should call the claims team on:

0800 068 5821

Monday to Friday: 8.00am to 6.30pm

Saturday: 9.00am to 1.00pm

Calls may be monitored and recorded.

Step 3

We'll settle quickly

We'll usually settle all eligible bills directly with the provider of treatment, usually the hospital or specialist.

How to make a claim

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How do you make a health insurance claim?

When you’re unwell and need to make a claim on your health insurance, we’ll do all we can to get you the healthcare you need, as soon as we can.

Here’s how you make a claim in four simple steps – and a few things to keep in mind along the way. 

1. Ask your GP for a referral

First of all, see your GP, or use our digital GP app, and they’ll refer you for any investigations or treatment you need. Be sure to tell them you have private health cover with us.

There are two types of GP referral:

An open referral is where your GP says what kind of treatment you need, but doesn’t name a particular specialist or hospital. 

A named referral is where your GP gives the name of a specific specialist, at a particular hospital. Though you’re not bound by this, and we can offer you other options, if needed.

It’s a good idea to ask for an open referral, so there’s more flexibility with where you’re treated. If you have Expert Select or Optimum Referral, you’ll need an open referral.

If your cover includes BacktoBetter or our Mental Health Pathway, you don’t need a GP referral to make a claim for musculoskeletal or mental health symptoms – just call us direct through MyAviva - your secure online account, or by phone.

Remember! Get in touch with us before you have tests or treatment, so you know they’re eligible for cover. That way, you won’t have any unexpected costs.

2. Start your claim and we’ll get things moving 

The easiest way to start your claim is through MyAviva. When you log in simply select your policy or scheme and you’ll see the option to start your claim. Alternatively, you can also start a claim over the phone.

Whichever way you choose, we’ll ask you about your symptoms and explain the best next steps, in line with your cover. We’ll also guide you through the process and answer any questions you have.

Sometimes, we ask for more information to get a better picture of your condition. Otherwise, we aim to make a decision on your claim straight away, explain which tests and treatments we can pre-approve and connect you with the hospital or clinic to book your appointment there and then. 

Where will you get your treatment?

You’ll either see a specialist at a hospital on your list, or, if you have Expert Select or Optimum Referral, at a choice of hospitals we’ll help guide you towards. If it’s available, you could get treatment at a facility that has expertise in treating specific conditions, like cataracts or knee pain.  

The nationwide hospitals we use are based on ratings from independent regulators, like the Care Quality Commission – with most rated outstanding or good. We’ll also only recommend specialists who meet the standards of their relevant professional governing bodies, like the General Medical Council. So you know you’ll get the high standard of care you’d expect. 

3. If you’re referred for more treatment 

Hopefully by now you’ll be starting to feel better. But if your specialist refers you for more treatment we haven’t already approved, let us know, so we can check it’s covered. In MyAviva you can submit your update or start a Live Chat to speak to someone in the claims team there and then. You can also call us, if you’d feel more comfortable talking over the phone, or email us with any questions you may have. 

Remember! For some treatments and tests, we’ll ask you for a procedure code. So check with your specialist, and have it handy when you get in touch.

4. And finally, we’ll settle the bills

Once you’ve had the care you need, we’ll settle bills we’ve authorised directly with your provider – so you don’t have to worry. 

We’ll let you know through MyAviva if you need to pay any part of a bill, like if you have an excess or benefit limit.  If any bills are sent your way, just send us a copy and we’ll do the rest. 

[Wrap/key messages]

Here’s a quick recap of how to make a claim:

1. Ask your GP for an open referral – and get in touch with us before you have any tests or treatment. For BacktoBetter or Mental Health Pathway, just contact us direct.

2. Start your claim and book your appointment at an agreed hospital.

3. Let us know if you’re referred for more treatment – and check for a procedure code.

4. We’ll settle authorised bills direct, so you don’t have to worry.

And that’s it! Four easy steps, and a friendly claims team on hand for guidance and support each step of the way. 

So you can focus on your treatment, and getting back to health.

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