Medios product and rate review
Published: 28 Oct 2019
As 2020 is fast approaching, Medios customers will be receiving their renewal packs shortly. To ensure our products meet the needs of the market, we carry out regular product and rate reviews. Any changes to these will take effect from 1st January 2020.
Key updates for your clients’ renewals
At Aviva we are constantly reviewing our products to ensure they continue to meet your clients’ needs and remain competitive. We are making a small number of changes to their policy that will apply from their renewal date and they will receive the following documents in their renewal pack.
Changes applicable to all Medios products
We’ve updated the ‘Cancellation’ condition to clarify that if we cancel the policy because the policyholder has not taken reasonable care to provide complete and accurate answers to the questions we ask, we will provide at least 7 days written notice to the last known postal or email address.
We’ve also updated part of the cancellation condition to be clear that if we cancel a policy or an insured person’s cover due to fraudulent activity, we will give at least 7 days notice in writing by first class post or by hand to the last known address.
Updates to the individual Medios products
Complementary medical treatment
We’ve corrected a misprint in the Benefits table under Additional Benefits - Complementary medical treatment. The maximum amount payable per session is now showing as up to £30 for up to 12 sessions. Due to a printing error in last year’s Terms and Conditions, we had been paying up to £50 per session for eligible claims, but from renewal this will revert back to the correct amount of up to £30 per session.
Change to the Insurance Product Information Document (IPID)
NHS cash benefit
We’ve corrected an error on last year’s Insurance Product Information Document. The NHS cash benefit now shows the correct cash payment amount of £200 each night up to 100 nights. There has not been a change to cover, and the Terms and Conditions showed the correct amount of £200.
Section 3, Post-hospitalisation out-patient treatment
We’ve updated the wording in the Benefits table under Section 3 (Post-hospitalisation out-patient treatment) to clarify what is covered. Physicians’ services and out-patient treatment includes consultations with a fee approved specialist and diagnostic tests. If Post-hospitalisation out-patient treatment has been selected, this will be shown on the policy schedule.
Changes to exclusions
Dental or orthodontic treatment
We’ve updated this exclusion to clarify that oral surgical out-patient treatment is only covered under Section 2 (Pre-hospitalisation out-patient treatment) and Section 3 (Post-hospitalisation out‑patient treatment). If Pre-hospitalisation or Post-hospitalisation out-patient treatment has been selected, this will be shown on the policy schedule.
For the full details of the changes please read the policy update, terms and conditions and Insurance Product Information Document below.
Terms and conditions:
Insurance Product Information Documents:
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