Large corporate business question and answer guide

Information on your health insurance cover in light of the COVID-19 pandemic

Throughout the pandemic, we remained focused on helping your employees get access to the medical support they needed.

However, there were times when it was more difficult to access private treatment. This was the case particularly during the first phase of the pandemic where private facilities supported the NHS in the national effort to combat COVID-19.

During the pandemic, some treatment was delayed and some was cancelled. We initially expected the period of lower claims to be broadly offset by the period of higher claims once access to private hospitals opened up again.

We now know PMI claims to Aviva have been lower than planned over this entire period. This means we will be returning the difference between expected claims costs and actual claims costs to UK PMI policyholders as we pledged.

Our COVID-19 Pledge

Please read our updated COVID-19 Pledge (PDF 90 KB).

As you extended the pledge period, are you paying interest on top of the pledge payment?

Are you bringing forward the payment to avoid paying the 20% goodwill enhancement?

How do I know you are not profiting from the COVID-19 situation?

Is it possible you may need another COVID-19 Pledge period if there is more disruption?

When do you expect to make the pledge payment?

How will you pay the pledge amount?

How have you calculated the overall COVID-19 Pledge payment?

How have you calculated my COVID-19 Pledge payment?

How soon will I get my pledge payment?

We pay by cheque every year but want the pledge payment sent by a different method. Is that possible?

How will it affect P11D?

Are you guaranteeing a minimum payment?

Can we choose for you to make the payment to a charity?

Will this have an impact on future renewal increases?

What if we no longer have a policy with Aviva?

Our premium reduced at renewal. Are we still eligible for the COVID-19 Pledge payment?

We recently switched to Aviva. Are we eligible for the COVID-19 Pledge payment?

When will we find out about our pledge payment?

Why has it taken so long for you to make the pledge payment?

Different areas of the country saw different disruption levels during the pandemic. Will you take this into consideration?

What would Aviva's position be in the event of further restrictions?

Does this set a future precedent should a different type of event mean our employees are unable to access the private services and facilities offered through Aviva policies?

Will it affect the pledge payment if we made claims during the period or are about to make claims?

Are you paying this for all policies, like car and home insurance?

We pay by cheque every year but would like you to make the pledge payment by a different method. Is that possible?

Policy cover and benefits

Does the policy cover vaccinations and vaccination side effects?

Do our employees still need to be tested for COVID-19 if they need treatment, and if so, what cover is there?

What's not covered?

What should we do if we are considering cancelling our policy?

How to get further help

If you still have questions after reading these frequently asked questions, please contact your financial adviser or your usual Aviva contact.

Aviva Health UK Limited. Registered in England Number 2464270. Registered Office 8 Surrey Street Norwich NR1 3NG.

Authorised and regulated by the Financial Conduct Authority. Firm Reference Number 308139. A wholly owned subsidiary of Aviva Insurance Limited. This insurance is underwritten by Aviva Insurance Limited. Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth, PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm reference number 202153.

Aviva Health UK Limited acts as agent of Aviva Insurance Limited for the purposes of: (i) receiving premium from our clients; and (ii) receiving and holding claims money and premium refunds prior to transmission to our client making the claim or entitled to the premium refund.