Private medical insurance for 2-249 employees

Flexible cover to suit your business needs

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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.

Dedicated cancer treatment

Extensive cover and support at every stage of cancer treatment.

Mental health cover

Options to provide mental health support for your employees.

BacktoBetter

An independent case management service for back, neck, muscle and joint pain, with no need to see a GP.

Why choose us?

Our private medical insurance gives members prompt access to the treatment they need, supporting your employees and your business.

Aviva Digital GP

Get around the clock access to GP video consultations, chat features, pharmacy services and repeat NHS prescriptions with free UK delivery – all at the touch of a button. Aviva Digital GP is available to residents of Great Britain and Northern Ireland at home or abroad. Residents of the Channel Islands and Isle of Man are not eligible for this service.

Adapt your cover to suit your business

We understand that no two businesses are the same. That's why with Solutions, you can create a level of cover to suit the needs of your business. Enhance your cover with additional benefits or decrease it to suit your budget. So, everyone gets access to the right treatment, at the right time, at the right price.

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.
  • Psychiatric treatment
    Treatment on GP referral, as an out-patient with a psychiatric therapist or psychiatric specialist, up to £2,000 each member, every policy year.

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 abuse
    We don't cover treatment for addictions (such as alcohol addiction or drug addiction) or substance abuse (such as alcohol abuse 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 2-99 employees PDF (614KB) or Solutions 100-249 employees PDF (574MB).

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 treatment
    Cover in-patient or day-patient psychiatric treatment, up to a combined limit of either 28 or 45 days, if an employee is diagnosed with an acute psychiatric condition.
  • 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.
  • Upgrade your hospital list
    You can choose to upgrade to our Extended Hospital List - increasing the number of hospitals you're able to use, predominately in the Greater London area.  See our hospital list PDF (423KB).

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:
    * limited emergency overseas cover
    * 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
    Limit out-patient cover to £0, £1,000 or £1,500 for each member every policy year.
    With this option, we still provide cover in full for CT, MRI and PET scans at a diagnostic centre that we recognise, radiotherapy and chemotherapy, and physiotherapy for pain in the back, neck, muscles or joints (musculoskeletal conditions) through BacktoBetter. The monetary limit doesn't apply to out-patient cancer treatment received after a cancer diagnosis.  In addition, we'll also cover any costs for pre-admission tests required within 14 days of admission to check that your members are fit to undergo surgery and anaesthesia. 

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.

Cover that matters

With Solutions, your employees will have access to extensive cancer cover and BacktoBetter - a musculoskeletal case management 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.

BacktoBetter

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.

Awards and ratings

Health Insurance Awards - Company of the year
Defaqto 5 Star Group PMI provider

Get a quote

Need cover for 2 to 99 employees?

0800 158 5182

Use reference: SME-NAT Monday to Friday 9:00 to 17:00

For 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 9:00 to 17:00

For 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

1

See your GP

Your employee should visit their GP and discuss their symptoms. If treatment is required, they can ask for an open or named referral. Remember, if they have a musculoskeletal problem, there's no need for them to see a GP.

2

Call our claims team

If your employee's claim is covered by your policy, we can recommend a hospital or specialist for treatment.

3

We'll settle quickly

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

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