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Speedy Diagnostics
A straightforward diagnostic policy

Helping to find out what’s wrong, quickly

Speedy Diagnostics simply helps your clients beat the waiting lists to find out what’s wrong. It is a product that’s significantly cheaper than traditional PMI because it doesn’t pay for any treatment.

To help you decide if this product is suitable for your client, we have created target market information which is included in the Helping you sell page.

It’s important to fully understand this product’s details as this will help you conduct a compliant sale. Please read the following documents together; pre-sale brochure, terms and conditions and the insurance product information document.

Speedy Diagnostics helps your clients ‘jump the queue’ when there are waiting lists to get a diagnosis. With prompt access to fee approved consultants, there’s no waiting lists, no fuss, and there are no limits to the amounts we will cover for your clients’ diagnosis.

  • Prompt access to a diagnosis with a fee approved specialist – no waiting list, no fuss
  • Cover for diagnostic tests such as MRI scans, X-Rays, blood tests and ECGs
  • Hospital and specialist charges for in and day-patient diagnostic tests
  • Access to Aviva Digital GP (PDF 169KB) (from 1 October 2018 for new and renewing clients). Benefits include 5 video GP consultations per policy year. See our flyer (PDF 169KB) for more information
  • Stress counselling helpline - available to members aged 16 and over

Why diagnosis only?

Affordability may prevent some of your clients buying a traditional PMI product. But a simple policy that just helps them find out what’s wrong may give them the reassurance they’re seeking at a price they can afford.

With lengthy waiting lists in mind, we believe that diagnostic products are a good alternative for clients who have a low income but still want access to prompt diagnostics for themselves or their families.

We’ve set out our overview of Speedy Diagnostics in three areas. These describe what Speedy Diagnostics can cover, what it can't cover, and the additional value that’s included free of charge. It’s important that your clients are aware this product will not pay for medical treatment – it only pays for the initial diagnosis.

Cover provided by Speedy Diagnostics

Speedy Diagnostics helps your clients find out what’s wrong with their health. It provides prompt access to the initial diagnosis of a medical problem. We pay for:

Diagnostic tests as an out-patient

  • No limits on specialist consultations with fee approved specialists for diagnosis
  • Specialist fees for diagnostic procedures up to the limits in our fee schedule
  • Diagnostic tests such as blood tests, X-rays, scans, ECGs and MRIs (out-patient MRI, CT and PET scans are covered at recognised diagnostic centres only)

Diagnostic tests as an in-patient or day-patient

  • Specialist fees for diagnostic procedures up to the limits in our fee schedule
  • Hospital charges (accommodation and meals, nursing care, theatre fees, drugs and surgical dressings) for diagnostic tests such as endoscopy or removal of tissue for biopsy

Health and wealth: with our 15 level no claim discount (NCD), your clients’ discounts increase by one level each year they don’t claim, up to a maximum of 75%. However, if your client does make a claim, their NCD will drop by three levels.

Cover not provided by Speedy Diagnostics

It’s important that your clients are aware that treatment is not covered by Speedy Diagnostics. If they need treatment after a diagnosis, they’ll need to use the NHS or pay for private treatment themselves. Speedy Diagnostics does not cover:

  • Diagnostic tests or consultations outside of a specified network
  • Consultations and tests after diagnosis
  • Routine medical examinations and screening
  • Diagnostic tests ordered by a GP without referral to a specialist
  • Diagnostic tests to find the cause of infertility
  • Diagnostic tests related to sleep disorders
  • Treatment of any kind
Networks

If we have a network for your client's condition or suspected condition, we will tell them where they can have their treatment. If your client has the Extended hospital list, they don't have to use our networks.

Added value benefits included as standard

These features are included at no extra charge with every Speedy Diagnostics policy. They can be seen as additional levels of reassurance for your clients, and help you demonstrate the value of having a Speedy Diagnostics policy in place:

  • Access to Aviva Digital GP - (from 1 October 2018 for new and renewing clients). Benefits include 5 video GP consultations per policy year. See our flyer (PDF 169KB) for more information.
  • 24-hour stress counselling helpline. This benefit is available to members aged 16 and over.
  • Up to 25% off membership at a range of UK gyms and health clubs. Terms and conditions apply.

A product that doesn’t provide treatment may strike your clients as unusual. But Speedy Diagnostics can be an ideal solution for someone who wants the reassurance of knowing that waiting lists won’t be a problem if they need to find out what’s wrong. You’ll find more details in our customer-facing Speedy Diagnostics literature under the Documents tab on this page, along with all the application documents your clients will need.

Renewing Speedy Diagnostics

Our Speedy Diagnostics policies renew annually on the date the policy started. About 30 days prior to renewal, we’ll send out their new documents. You can ask us to copy you in on that notification – it’s an ideal opportunity to talk about upgrading to a more extensive PMI product. 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.

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Speedy Diagnostics. Which documents should you use?

Our documents help clients understand what our products are designed to do. They can also help you introduce the benefits of each product to your client.

Speedy Diagnostics literature describes the way this product works, and what it does and does not cover. It’s a useful guide for you as it helps you ensure your client understands the product’s limitations. It’s important that you get to know these documents well as they will help you conduct a compliant sale. Please read the following documents together; pre-sale brochure, terms and conditions and the insurance product information document.

This document will help make your clients application

Speedy Diagnostics – application form (PDF 446KB)

Applying for Speedy Diagnostics couldn’t be easier. Simply call the Health Trading Centre on 0800 158 3348 and get a quote straight away – or use our online Quote and Apply portals. Calls to and from Aviva may be monitored and/or recorded.

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We can help you sell Speedy Diagnostics

We can help you introduce Speedy Diagnostics to your clients as a low cost product that helps them get a prompt diagnosis when something’s wrong with their health.

While a healthcare product that does not offer treatment may be an unusual concept, our Speedy Diagnostics policy could be an ideal solution for clients who are struggling with affordability of traditional private health insurance. These ideas could help you identify clients for whom Speedy Diagnostics is a natural step.

Target Market Statement

What customer need is met by this product?

This product is designed to provide access to private specialist consultations and diagnostics only. It does not provide cover for any private treatment, or consultations required after a diagnosis has been made, this will either be conducted through the NHS or the policyholder could choose to pay for this treatment themselves.

Who is Speedy Diagnostics designed for?

This product is designed for mass market consumers who wish to protect themselves and their families, and can offer an alternative to comprehensive PMI, if the customers concern is purely to understand what is wrong with them . This product is usually considered by middle income individuals and their families.

Who is Speedy Diagnostics not designed to support, or are there any features that you should be aware of when considering this product for your customer?

This product is suitable for UK residents only. A core consideration should be that the customer should understand that they will not be eligible for any treatment, nor consultations or tests once a diagnosis has been made.

For all products you should take further care in whether the product and underwriting approach is suitable for customers you identify as vulnerable. For guidance please see Aviva’s guide to vulnerable customers(PDF 169KB).

Can Speedy Diagnostics be sold without advice?

Yes. However we appreciate that this product is mainly sold on an advised basis

How can I sell Speedy Diagnostics?

We would suggest that Speedy Diagnostics can be sold face to face, via telephone or digitally, we would not expect postal sales.

Finding the right clients
  • Clients who need to reduce costs – sometimes, through no fault of their own, clients need to re-prioritise their finances, perhaps due to a change in income or family circumstance. If clients want to cancel a PMI policy, then Speedy Diagnostics could reassure them they’ll still have access to specialist diagnostics – with treatment provided by the NHS.
  • Clients who want to help grandchildren – Grandparents often want to offer practical help without interfering in the way families are run. For those on a reduced retirement income grandchildren can be covered at relatively little cost.
  • Clients who want peace of mind – if your clients indicate they appreciate the reassurance provided by an insurance policy, the concept of Speedy Diagnostics will probably appeal to them. It can be good to know that there’s no need to join a waiting list: clients will enjoy prompt access to consultants who can let them know if something’s wrong, fast.
Overcoming objections

Providing their objective is diagnosis, not treatment, Speedy Diagnostics can in itself overcome the objections to cost that clients sometimes raise regarding PMI. It is relatively cheap, yet still includes access to our added value benefits such as access to Aviva Digital GP - (from 1 October 2018 for new and renewing clients). Benefits include 5 video GP consultations per policy year. See our flyer(PDF 169KB) for more information. Clients can also receive discounts at a range of UK gyms (terms and conditions apply).

  • “I want to get better – not just find out what’s wrong.”
    In this case your client may require a full PMI policy rather than Speedy Diagnostics. You can offer our Healthier Solutions product which is standard PMI cover for individuals.
  • “My doctor’s never too busy for me – I’d be fine.”
    It may be relatively easy to book in with a GP, but it can be more challenging to get a consultation with a specialist. With Speedy Diagnostics in place, clients waiting times for an appointment are reduced compared to those found within the NHS. Even for minor issues, in the majority of cases they’ll see a consultant within days of being referred by their GP.
  • “What is the benefit of only getting a diagnosis?”
    Early diagnosis is the key to making a prompt recovery for many serious conditions. We believe it’s widely accepted that early detection of cancer greatly increases the chances for successful treatment. In the same way, the earlier autism is diagnosed, the more likely it is that intervention could improve a child's life and help them reach their full potential. In older individuals, an early diagnosis of dementia is vital in helping improve the treatment, information and care given to people who will be coping with this condition.
We’re here to help you

We’re here to help you explain the benefits of Speedy Diagnostics clearly to your clients. We have a team that’s ready to answer any questions you – or they – may have about this diagnostic policy.

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

For policy quotes, please email: hcquote@aviva.com
Calls to and from Aviva may be monitored and/or recorded

Speak to our experienced advisers. We’re ready to offer advice, help you process an application, and give you support that will help you present Speedy Diagnostics with confidence to your clients.

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What makes our product different?

In addition to beating the diagnostics waiting lists, your clients can also access the added value benefits that we include, at no extra cost, with every Speedy Diagnostics policy.

Looking after health matters

Speedy Diagnostics may be the right product for your client when they can’t afford traditional private medical insurance (PMI), but want to start looking after their health more on a limited budget.

We designed Speedy Diagnostics to help your clients get health problems identified quickly. But because we focus on staying healthy, too, we’ve included additional benefits such as access to a 24-hour stress counselling helpline, and discounts at a range of UK gyms and health clubs.

Why choose Aviva’s Speedy Diagnostics policy?

  • Speedy Diagnostics is a straightforward, affordable diagnostic policy. Not everyone can afford traditional PMI cover. With reports about lengthy waiting lists still in the news, this product provides reassurance to your clients about access to prompt diagnostic tests.
  • Access to Aviva Digital GP - (from 1 October 2018 for new and renewing clients). Benefits include 5 video GP consultations per policy year. See our flyer (PDF 169KB) for more information.
  • It's a product that's supported by a 24-hour stress counselling helpline that we provide at no extra cost with this policy. This helpline is available to members aged 16 and over.
  • Speedy Diagnostics offers an opportunity to save money at renewal. With our 15 level no claim discount, your client's discount will increase by one level each year they don’t claim, up to a maximum of 75%.
  • We help remove the stresses associated with making an insurance claim. If your clients do need to make a claim on their policy, we’ll do our best to help things go smoothly. That means your client can concentrate on getting the diagnostic tests they need to help them understand what’s wrong with their health. Most claims can be approved over the phone, we'll let you know if any paperwork is needed when you call.
  • Speedy Diagnostics is an example of the way we evolve our products. Because we stay abreast of clinical issues, we’re aware that prompt diagnosis is becoming increasingly important in identifying, informing and treating many medical conditions.

As a result of our focus on delivering high levels of healthcare expertise, for the eighth year running, we were voted Health Insurance Company of the Year at the Health Insurance Awards 2017. When you tell clients about these awards, it helps build confidence in making a purchase.

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Speedy Diagnostics claims – what happens next?

Making a claim on a Speedy Diagnostics policy is straightforward. It’s useful to know how this process works, so that you can explain it to your clients.

Your clients should find all the information they need to start a claim in their policy documents. But they may call you first for advice. If that happens, and a GP has referred your client to see a specialist for diagnosis consultation or tests, they need to call us before making the appointment. It will help us if your clients have some details to hand when they phone in, but we'll do everything we can to help. They should:

Call the claims team: 0800 158 3333
Monday to Friday 8.00am – 8.00pm

Saturday 8.00am – 1.00pm
Calls to and from Aviva may be monitored and/or recorded

  • We'll ask for their personal details, including their Speedy Diagnostics policy number
  • We’ll ask for a brief description of the symptoms and what the GP has said
  • If we don’t have a network in place for their suspected condition, we’ll also ask for the name of the specialist they’d like to see and where they practice. We will confirm if the specialist and/or hospital are recognised by us.

If your clients have an open referral, they may not know the specialist’s name. If that's the case, then we'll just need to know which kind of specialist they need to see. With confirmation that the appointment and tests will be covered, your client can then go ahead, safe in the knowledge that we’ll cover the costs up to a diagnosis being made.

Responding promptly

We understand that your clients may be anxious about a diagnosis, so we’ll do our best to approve eligible costs as quickly as possible.

Clinicians are on hand in each of our claims teams to give our phone staff detailed support, providing medical insights as necessary to make sure patients get the best possible tests that will aid diagnosis.

Settling the bills

We can settle most bills directly with the specialist or hospital. Then, while we take care of the bills, your clients can concentrate on their health.

Most will be sent straight to us, but 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
Eastleigh
SO53 3RY

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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: hcquote@aviva.com

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

Health Insurance Company of the Year

Health Insurance Company of the Year (8 years running)

Best Customer Service provider (2nd year running)

Best Group PMI provider (8 years running)