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Private Medical Insurance
for individuals, families and sole traders

Healthier Solutions. Individual Private Medical Insurance

Healthier Solutions is our award-winning individual PMI product, designed to help your clients get prompt access to diagnosis and eligible private medical treatment at over 400 UK hospitals.

Defaqto 2017 5 star rating - Private Medical Insurance

It’s important to fully understand this product’s details as this will help you conduct a compliant sale. Full details of cover options and exclusions are listed in the product’s brochure.
Healthier Solutions - product brochure (PDF 2520KB)

For full terms and conditions see below:
Terms and Conditions Pre 1 October 2016 (PDF 1500KB)
Terms and Conditions Post 1 October 2016 (PDF 517KB).
Non-standard terms may apply to your client's policy.

Healthier Solutions is our modular PMI product for individual clients, helping them get prompt, private medical treatment through a nationwide network of UK hospitals.

  • Extensive cancer cover included as standard on every policy
  • Flexible PMI, with options to help meet your clients’ needs and budgets
  • All levels of cover include in, day and out-patient treatment costs
  • MyHealthCounts – rewarding clients for looking after their health
  • Free 24-hour access to a GP helpline included with all cover levels
  • A no claim discount of up to 75% and the option to include protected NCD which applies to each member, not just the policy
  • No loss of no claims discount for new claims of up to £250 per member, per year.

Flexible, affordable PMI

Healthier Solutions is flexible. It has a wide range of options to choose from, so it’s easy for you to increase or decrease cover levels to create the PMI cover that meets your clients’ budgets and needs.

We’ve drawn on our clinical expertise to create highly flexible, modular cover, which includes benefits such as MyHealthCounts that can help your clients learn more about their health and wellbeing.

There’s a lot of information to take on board about the cover available with a Healthier Solutions policy. Our handy sales aid (PDF 942KB) can help you explain the modules to clients – but we’ve also broken this down into four overview areas here: core cover, options, the added value benefits that are included free of charge with every Healthier Solutions policy, and an explanation of our hospital lists.

Core cover

'Core cover' is the starting point for a Healthier Solutions policy. Your clients can then increase or reduce the cover levels to suit their needs and budget. Clients receive an extensive range of benefits with our core cover:

  • Cover for hospital charges at hospitals on your client's chosen list
  • Specialists’ fees (up to our fee limits)
  • * Consultations with fee approved specialists
  • Diagnostics tests (such as MRI scans, blood tests and X-rays) are covered
  • Cancer treatment and palliative care as explained in full on our Cancer Pledge pages
  • A no claim discount of up to 75%

If clients need to stay in hospital, they’ll usually enjoy a private room with a range of meal options, a television, access to a phone and an en-suite bathroom – helping to ensure their comfort during recovery.


Options that upgrade levels of cover and increase premiums

Clients can upgrade their policy to provide more extensive cover, although it’s important to point out that benefit limits apply. Full details of options are included in the Healthier Solutions customer-facing brochure (PDF 4112KB). Upgrades include:

  • Mental health treatment (in-patient and day-patient cover)
  • Other treatments and therapies – including GP referred physiotherapy, osteopathy, chiropractic and acupuncture treatment, GP minor surgery (up to £100 per procedure)
  • Dental and optical cover, which helps with the cost of routine dental expenses, accidental dental injuries and optical expenses
  • Extended hospital list, which increases the number of available hospitals
  • The option to include protected NCD.

Options that reduce levels of cover and decrease premiums

By choosing a reduction in the levels of cover provided, your clients can pay lower premiums without compromising on the quality of their prompt, private care:

  • Excess option, which applies a claim excess of £100, £200, £500, £1,000, £3,000 or £5,000 per member per policy year
  • Reduced out-patient cover – if members prefer a lower premium, they have the added flexibility of choosing £0, £500 or £1000 out-patient limit.
  • Trust or Signature hospital lists – reduces the number of hospitals available. The Signature hospital list is only available in Scotland and Northern Ireland
  • Six week option, which means your client won’t be able to claim for in-patient or day-patient treatment, NHS cash benefit, NHS cancer cash benefit or for the cost of an NHS amenity bed, if the NHS can treat them within six weeks. If the NHS wait is six weeks or more, they can get private treatment without delay.
Added value benefits included as standard

These features are included at no extra charge with every Healthier Solutions policy. We believe they’re appreciated by clients who want to lead healthier lives and have access to useful services that help maintain their wellbeing. These points can help you demonstrate the value of having an Aviva PMI policy in place:

  • 24-hour GP helpline
  • 24-hour stress counselling helpline. This benefit is available to members aged 16 and over
  • MyHealthCounts, helping clients manage their health and get a potential premium discount at renewal
  • Discount off membership at a range of UK gyms and health clubs

We’re developing a number of networks of facilities, specialists and other practitioners. If we have a network for your clients’ conditions or suspected conditions, we’ll tell them where they can have their treatment.

Explaining our hospital lists

We offer a range of hospital lists, each of which comprises of facilities at which your client could choose to have their treatment. Healthier Solutions core cover includes the Key hospital list.

Clients can increase their premium and upgrade to the Extended hospital list, which will increase the number of hospitals they can use. Or they can reduce their choice of hospitals, and their premium levels, by choosing one of the following lists:

  • The Trust hospital list, which includes mostly private patient units of NHS Trust and Partnership hospitals. Clients must live within the catchment area of a Trust hospital to qualify for this list.
  • The Signature hospital list, which includes private hospitals in Scotland and Northern Ireland only

Want to see which hospitals are in your area? Try our hospital list checker.

Remember if we have a network for your clients’ conditions or suspected conditions, they will need to use our network facility for their treatment. Our networks may include hospitals or other facilities that aren’t on their chosen list.

Presenting the product to your clients this way – explaining the cover, the options, and the added value that Aviva provides – helps them understand the benefits of our Healthier Solutions policy. You’ll find a useful range of Healthier Solutions documents under the Documents tab on this page.

Renewing Healthier Solutions

Our Healthier Solutions policies renew annually on the date the policy started. We send renewal documents to your clients directly, about 35 days prior to renewal, and you can ask us to copy you in on that notification. The renewal packs include information about any changes in premium; a copy of the policy; a new policy schedule and details of any changes that apply to the cover.

  • Clients are notified 35 days prior to renewal
  • You can choose to be notified too, so that you can plan a follow up call
  • We include details of policy enhancements to help encourage renewals

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Individual PMI. Which documents should you use?

Our documents help clients understand what policies are designed to do and help you introduce the benefits of each product.

Healthier Solutions literature describes the cover, the options and the general exclusions in full. We’ve also produced an ‘At a glance’ sales aid to help you sell the benefits of Healthier Solutions. It’s important that you get to know these documents well, as this will help you conduct a compliant sale.

These documents explain how the product works

Healthier Solutions – client-facing pre-sale brochure (PDF 4122KB)

Hospital lists – options for your clients (PDF 3417KB)

Healthier Solutions at a glance – client-facing sales aid (PDF 942KB)

Use our Hospital List Checker to show clients some of the private facilities they’d have access to with a Healthier Solutions policy

Remember, you can now get a Healthier Solutions premium illustration online for individual customers.

You’ll find a full range of Healthier Solutions literature in our searchable Document Library. Other items that may be useful include

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We can help you sell Healthier Solutions

Here you’ll find ideas that can help you identify clients, overcome objections, and make it easier to recommend Healthier Solutions.

If you’d like to find out more about selling PMI in general – what it is, and why you should promote it to your clients – take a look at our Growing Your Business section.

Finding the right clients

PMI products can be useful for a wide range of clients – both self-employed and those working for a company. We also hear from many advisers dealing with clients who want to ‘switch’ from their current PMI provider, and individuals transferring from a group policy to personal cover.

By segmenting your database, you can identify who is more likely to purchase a policy and then focus on highlighting the benefits of PMI to these clients.

Income based criteria

Income based criteria are one way of identifying potential clients, as individuals with very low incomes are less likely to purchase an individual PMI policy. Consider those with household incomes of £20,000 to £50,000, and remember that it’s important to take the whole household’s income into consideration. Individuals with very high salaries often have employment-associated cover in place, but it’s worth considering opportunities to review that cover.

TIP: If your clients have a policy through their employer, ask, “Does the policy cover everyone in your family? Do you feel the benefits cover your needs completely?”

Occupation based criteria

Most people can benefit from prompt access to high quality medical care, so occupation plays a less significant role in identifying individuals for whom PMI may be attractive. However, many PMI clients are in professional, managerial, or administrative work; self-employed clients are also likely to be a key target group, as a prompt return to work can make a significant difference to their incomes.

Which roles feature heavily in your client bank? Professional roles Doctor, vet, solicitor, engineer, teacher, accountant
Managerial roles Manager/Director positions across any industry
Associated professionals Analyst, consultant, technician, researcher, marketer, graphic designer, nurse, therapist, journalist
So who can you target when you’re thinking about PMI? Sales and service roles Hairdresser, gym instructor, telesales, bus driver
Manual labour Builder, electrician, plumber, gardener, mechanic, skilled plant & factory worker
Unskilled labour General labourer, retail assistant, waiting staff

TIP: Have you thought about which professions appear in your client bank most? This can help you target your clients effectively using a marketing campaign.

Overcoming objections

When you show clients an in-depth understanding of how PMI works, and how much impact a policy could have in their lives, they can have more confidence in your recommendation. These are some of the most common objections to a PMI recommendation.

  • “I don’t need PMI – that’s what the NHS is for.”
    Some of the best doctors in the world practice in the UK, and the NHS does provide free healthcare for all based on need, not on ability to pay. However, hospital infection rates are still a matter of concern; in mixed wards, there’s no guarantee of privacy; hospital waiting lists can be lengthy for non-essential procedures, and levels of personal attention may be lower than those in private hospitals. All of these points help emphasise the value of PMI, and how a Healthier Solutions policy can help your clients get prompt access to high quality care.
  • “PMI won’t cover me for cancer treatments.”

    Our Healthier Solutions policy includes extensive cover for cancer treatment, and is supported by our ‘Cancer Pledge’.

    • We understand the importance of providing extensive cover and support at every stage of your cancer treatment. We'll cover the cancer treatment and palliative care you need, as recommended by your specialist. We also want to make things as comfortable as possible for you following your cancer treatment, so we'll provide extensive cover for your aftercare, including consultations with a dietician, as well as money towards prostheses and wigs.

    You can find out more about the details of our cancer cover on our Cancer Pledge pages.

  • “It’s too expensive.”
    For most clients, you’ll find there’s a level of Healthier Solutions cover that can meet their budget. An objection to cost is often a sign that the client doesn’t understand the benefits of the policy: it’s certainly an opportunity to highlight the value that’s available through services like our free 24-hour GP helpline. The argument ‘can you afford not to?’ – still holds true. Without PMI, clients have the option of waiting for NHS treatment, which can affect their ability to work, or paying for private treatment themselves, which can run into thousands. You may want to show them the benefits of our Speedy Diagnostics product, as an alternative to PMI.
  • “I’ve got other priorities.”
    From a fact-find, you’ll have already pinpointed your clients’ financial needs and aspirations for the future. The process of identifying disposable income and making recommendations for its allocation is key, as is highlighting the importance of risk-based planning for unseen eventualities. Good health is vital, no matter which other elements of financial planning you’re advising on.
  • “I don’t worry about my health, I take care of myself.”
    This is a great opportunity to highlight how a Healthier Solutions policy can help a health-conscious person take even more care of their wellbeing, with discounts on UK gym memberships and a range of online health awareness tools, including MyHealthCounts.
  • “I’m fine – I don’t need ‘extra peace of mind’.”
    Peace of mind is an extremely useful tool. You’re already providing it, as a part of your own service. Clients come to you for professional advice: they’re looking for answers to questions – they’re already seeking reassurance from an expert. So, introduce Aviva’s expertise. We’re experts in the PMI market and our cover can help to alleviate any health concerns that your clients may have.
  • “My doctor’s never too busy for me – I’d be fine.”
    It may be relatively easy to book a GP appointment, but it can be more challenging to make arrangements with specialists. With Healthier Solutions in place, clients don’t have to wait weeks for a specialist appointment or even longer for treatment. Even for minor issues, they’ll be referred to a consultant within days in most cases.
  • “There’s no point – there isn’t a private hospital near me.”
    It’s useful to show clients the private hospitals closest to their home using our online Hospital List Checker – there may be facilities closer than they think. Clients can decide which range of hospitals suits them best and, if necessary, have a choice of specialist and plan operations to suit their own timetable.
  • “If I’m that ill, I won’t be worried about privacy.”
    But what about a ‘routine’ unexpected operation? In nearly all cases, clients needing in-patient treatment will have the privacy of an en-suite room complete with home comforts – and no visiting restrictions.
  • “I’m fine – if it’s an emergency, the NHS has to treat me.”
    The NHS will always treat emergency cases. But there’s a significant difference between emergency treatments and important treatments that can have long NHS waiting lists. For example, hip and knee replacements. These type of operations can have a serious impact on your client’s life and work but won’t be deemed an emergency within the NHS. With PMI, clients have access to high-quality care, when and where they need it.
  • “I’ve already got a policy through work.”
    That’s excellent news – but is the cover offered extensive? Are other family members included on the policy? Does it offer as much value, day to day?
  • “No, I still can’t see the point.”
    Private medical insurance is an expense that clients may find hard to value while they’re fit and healthy. With Healthier Solutions, it’s important to also highlight the wellbeing features and services that are included at no extra cost – which represent a tangible, more easily rationalised ‘value for money purchase’.

Alternatives to our Healthier Solutions policy

When affordability is a factor in choosing not to take a Healthier Solutions policy, there may be alternatives. Our diagnostic policy, Speedy Diagnostics, is not as extensive in their cover but may be worth considering.

Helping your clients talk about their health

When an individual needs to make a claim, they’ve become a patient. Prior to that, you’ll be dealing with their application as clients – but if your clients do have to fill in a Full Medical Disclosure form, they’ll be asked questions about very personal medical details. Failure to disclose information could result in cover being invalid, so these tips may help you to help your clients:

  • “It’s a bit awkward…”
    A woman may not want to divulge gynaecological history to her partner. You’ll have to deal with this tactfully: perhaps say that, to help you deal with the paperwork, health questionnaires could be returned separately to your office by each partner.
  • “I’m not sure I want to talk about that…”
    Let clients know that we have advisers who are trained to answer sensitive questions – whether it’s a query about cancer, a question about sexually transmitted diseases, or simply something that your client may find embarrassing to discuss openly with a stranger, such as cosmetic surgery.
  • “But I don’t have to tell them about this, do I?”
    Your clients must make a full declaration about their medical history. Failure to disclose a condition could result in cover being invalid – which means your clients may not get the medical treatment they were expecting, at a time when they’re relying on us to deliver our promise of care.
Answering clients’ technical questions

We’re here to answer questions about terminology, underwriting, or general policy information that you may not have to hand in your meeting. Here are a few of the questions we’re asked regularly.

  • “What’s the difference between acute conditions and chronic conditions?”
    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 on-going control or relief of symptoms.

What chronic conditions are covered?
Chronic conditions aren’t covered by Healthier Solutions – acute conditions are. We do cover unexpected acute flare-ups of a chronic condition until the condition is re-stabilised and we do not apply this chronic condition exclusion to treatment for cancer.

  • “What are hospital lists?”
    Your clients can choose a selection of hospitals where they’d like to receive treatment when they take our their policy. They do this, by selecting one of the following ‘lists’ of facilities.
    • Key hospital list – access to a nationwide list of over 300 hospitals.
    • Trust hospital list – private facilities at NHS/Partnership hospitals
    • Extended hospital list – more exclusive hospitals in the Greater London area
    • Signature hospital list – an option for clients living in Scotland and Northern Ireland.

    Use our hospital list checker to show your clients the facilities available in their area.

  • “What’s the difference between an in-patient, out-patient and day-patient?”
    An in-patient is someone who is admitted to hospital and who occupies a bed overnight or longer, for medical reasons. As a day-patient, you would be admitted to a hospital or day-patient unit because you need a period of medically supervised recovery but do not occupy a bed overnight. An out-patient is someone who attends a hospital, consulting room or out-patient clinic and is not admitted as a day-patient or in-patient.
  • “What’s underwriting – what’s the difference between each type?”
    We’re happy to answer any questions you or your clients may have about underwriting, and which of these types is most suitable for your clients:
  • Full Medical Underwriting:
    in this instance, we ask questions about every client’s past health, and their pre-existing medical conditions will be excluded unless we agree to accept them.
  • New Moratorium:
    your client could choose a new moratorium based policy. With this type of underwriting, they couldn’t claim for treatment of any pre-existing condition, or any related condition if they had symptoms of, medication for, diagnostic tests for, treatment for, or advice about that condition in the five years preceding the policy’s start date unless two clear years had passed during which they’d been free of medication for, diagnostics tests for, treatment for, and advice about that condition and any other illness or injury related to it.
  • Continued Moratorium:
    available for clients transferring from an existing medical insurance plan that’s underwritten on a moratorium basis (we’ll need to see proof of previous terms). Our moratorium wording would apply with effect from each client’s original moratorium start date.
  • Continued Medical Exclusions:
    sometimes suitable if the client is transferring from an existing underwritten medical insurance plan. We’d accept the existing terms (we’d need to see proof) and apply the personal medical exclusions (if any) their previous insurer imposed. If loadings same were applied, instead of exclusions, they’ll have to complete an application form and be fully underwritten.
We’re here to help you

As an experienced adviser, research gives you a wealth of information, but not every client will be ready to absorb that level of detail all at once. We’re here to help you explain PMI’s benefits clearly to them, and answer any questions you – or they – may have about Healthier Solutions, underwriting, or any other aspect of our products and services.

Call the Health Trading Centre: 0800 158 3348
Monday to Friday 9.00am – 5.00pm

For policy quotes, please email:
Calls to and from Aviva may be monitored and/or recorded

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What makes our PMI different?

We understand that you want to make sure your clients have a PMI product that’s right for their needs and budget.

Flexible, affordable PMI
Healthier Solutions is modular, meaning that you can help your clients choose the cover that meets their budgets and needs.

As one of the UK’s leading providers of PMI, we’ve developed cover that helps your clients get prompt access to treatment in high quality facilities, as well as monitor and improve daily health and fitness.

Why choose Aviva’s Healthier Solutions policy?

  • Healthier Solutions is a PMI product that’s designed to fit around your clients’ needs. Not everyone wants the same levels of benefit or access to identical services. In addition to core cover, clients can upgrade or reduce their policy’s benefit levels according to preference and affordability.
  • It’s a product with features that are really appreciated. Healthier Solutions does more than cater for illness and injury. It promotes health issues and incentivises improvements in health – from UK gym membership discounts to online programmes, such as MyHealthCounts that can help reduce premiums at renewal.
  • Healthier Solutions offers accessibility and choice over treatment options. We work with specialists and leading hospital groups to create products that provide your clients with the best treatment, when they need it and where it’s convenient.
  • We’re the provider that delivers the service your clients are expecting. Every provider uses statistics which sound impressive. At Aviva, we know that impressions are important. So we treat our customers like individuals first, and count the number of customers we deal with second. It’s the reason we place so much emphasis on having in-house clinical expertise to support our claims teams and manage cases, one by one.

    It's why we have been recognised as the best health insurer of the year for the last seven years. These awards really are testament to the hard work of all our customer facing teams and our commitment to our customers.

  • We help remove the stresses associated with making an insurance claim. If your clients do need to make a claim on their policy, we’d like to help them focus on what’s important – making a recovery – rather than dealing with paperwork. That’s the reason most of our claims are dealt with over the phone.
  • We stay abreast of industry issues and continually evolve our products. As with all of our products, we’re committed to making sure our cover and services are in line with the latest health developments and government legislation.
  • Clients can be confident we’re able to meet their claims. Just a couple of claims figures can help instil confidence in your clients:
    • In 2016 we paid over £437 million in claims, for customers who needed us to help them deal with illness, injury and recovery.
    • We cover over 880,000 lives with our private medical insurance, on individual and group policies.

For the seventh year running, as a result of our focus in delivering high levels of healthcare expertise, Aviva UK Health was voted Health Insurance Company of the Year at the 2016 Health Insurance Awards. When you tell clients about these awards, it helps build confidence in making a purchase.

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Healthier Solutions claims – what happens next?

We’re here to help our policyholders when they need to make a claim. However, it’s useful to understand how our claims process works: this can help reassure clients who are considering taking out a policy.

Our PMI claims statistics in 2015 show that over 89% of our claims were approved over the phone. We think this is important, because it shows your clients that they can focus on the treatment they need without the worry of filling in claims forms. They’ll always be treated as an individual, and we’ll do our best to make sure they get the advice and support they need.

Our approach to a very individual matter

If your clients need to make a claim, they’ve become patients: people whose needs differ from case-to-case. We know they may not be feeling 100% when they call, and our claims teams will help them every step of the way. That need for individual attention is the reason we have a dedicated department looking after our PMI claims, with staff who have experience in the relative claims field and can familiarise themselves with the details of each claim they’re working on.

Specialist expertise and specialist claims support

Because some conditions are more complex than others, we have expert advisers in dedicated condition management teams. In addition to general claims, we also have specialist claims teams focusing on conditions such as:

  • cardiothoracic
  • oncology
  • psychiatric
  • gastro-intestinal.

This approach means that your clients will talk to experienced staff, who can empathise and understand what they are going through at a very stressful time.

Expert clinical support

Within our claims teams we have technical specialists who stay abreast of and analyse new technologies and medicines, so we can advise your clients of the best course of treatment and any new drugs or approaches available.

Clinicians are on hand to give our staff detailed support, providing medical advice as necessary to make sure patients get the best possible treatment and support. Within these teams, patients are reassured by having a dedicated claims adviser looking after them, throughout their claim.

Helping your clients make a claim

Your clients should find all the information they need to start a claim in their policy documents. But at a time when health - not paperwork - is a priority, they may contact you first for advice. If that happens, we can help you guide them through the simple four steps they’ll need to take, to start their claim.

Step 1, see the GP

Clients need to see their GP as normal, and let him or her know they have Healthier Solutions cover with Aviva. If they’re asked to have tests or treatment, or see a specialist, they’ll need to check with us to make sure they’re covered.

Step 2, call us

It will help us if your clients can have some details to hand when they call, however we'll do everything we can to help. We'll ask for their personal details, including a policy number, a description of the symptoms and condition, what the GP has said, the name of their specialist and where they practice. If your clients are given an open referral, they may not know their specialist’s name in advance. If that's the case, then we'll just need to know which kind of specialist it is. If we need more information from a GP then we'll do our best to make this happen quickly with the introduction of networks some of your clients may be referred to a specialist on a network rather than their hospital list.

Remember, over 89% of our claims can be approved over the phone. They should:

Call the claims team: 0800 068 5821
Monday to Friday 8.00am – 8.00pm
Saturday 8.00am – 1.00pm

Calls to and from Aviva may be monitored and/or recorded

Step 3, update us with treatment details

If the specialist decides that your client needs treatment for a diagnosed condition, they’ll need to update us with the details. We'll need to know where they’d like to be treated, when, and which procedure code (CCSD code) applies to their treatment. Their specialist will have these details.

Step 4, relax – we’ll settle the invoices

We can settle most bills directly with the hospital. Most specialists send their bills straight to us. If your clients do get a bill at home, they can forward it on to us at:

Bill Payment Team,
Aviva Health UK,
Chilworth House,
Templars Way,
SO53 3RY

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MyHealthCounts – Improve your retention rates and your client’s health.

MyHealthCounts is our online health and wellbeing tool which helps Healthier Solutions clients look after their health.

By completing an online health questionnaire, MyHealthCounts helps your clients understand more about their health and the lifestyle choices that impact it. Following the questionnaire, MyHealthCounts provides them with a 12-week programme including personalised advice, and useful hints and tips on how to manage and improve their health.

It’s easy to follow and can help your clients achieve up to 15% discount off their renewal premium.

We recommend that you logon to and try the site yourself, to see how easy it is to use and so you can comfortably talk about the benefits it offers your clients.

You can take a look at the MyHealthCounts site by visiting and using login code: MHC41.

How MyHealthCounts works

Once your clients have registered, they will be required to spend just 10 to 15 minutes telling us about their health and lifestyle choices – things like what they eat and how much exercise they do. We’ll then calculate their Q score (see below) and offer personalised advice and suggest tools that could help them improve their health.

Any health information your clients provide will not be used for any administration or claims purposes.

Users have access to:

  • An easy registration process
  • Lifestyle and goals sections - visual ways for your clients to understand their health risks by priority and set appropriate health goals
  • Aviva Advantages - access to exclusive health and wellbeing offers that can be personalised to an individual's lifestyle priorities
What is a Q score?

The Q score is the rating we give each member who uses MyHealthCounts. Imagine a queue of 100 people who are exactly the same age, gender and race as your client. The first person in the queue needs medical attention straight away, and the person at the number 100 is enjoying optimum health. Your client’s Q score will tell them whereabouts in the queue they’d stand today according to their current health and lifestyle choices.

How MyHealthCounts benefits your clients

MyHealthCounts helps your clients to understand their current state of health and how they can improve it. Based on their current health, we will recommend a 12-week programme that provides useful hints and tips on how they could improve their health - which in turn could lead to an improved Q score and ultimately give them up to a 15% discount on their renewal premium.

On top of improving their lifestyle and their renewal premium, your clients can benefit from Aviva Advantages which provides exclusive health and wellbeing discounts throughout the year.

What’s involved in the 12-week programmes

The 12-week programmes provide a more supportive and personalised service to help your clients improve their Q score. MyHealthCounts includes access to health programmes covering:

  • Physical activity
  • Diet
  • Weight loss
  • Alcohol
  • Smoking

When your clients use the programme, they will be given weekly advice on how to improve selected lifestyle priorities. They can also update their progress throughout the 12 week period which automatically updates their Q score.

To have a look at the MyHealthCounts site, visit using login code: MHC41.

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Can we help you?

Think of us as part of your team. For help or queries, call us on:

0800 158 3348*

9.00am – 5.00pm, Monday – Friday

For policy quotes, please email:

*Calls to and from Aviva may be recorded and/or monitored

Health Insurance Company of the Year

Health Insurance Company of the Year (7 Years running)

Best Customer Service Provider

Best Online Service to Intermediaries (2nd year running)

Best Group PMI Provider (7 Year running)

Best Individual PMI Provider