What is diagnostics insurance?
It’s a type of health cover that pays your costs for getting a diagnosis, and helps you skip the potential NHS waiting lists when you need to find out the cause of a medical problem. With our diagnostics insurance, ‘Speedy Diagnostics’, you’ll get access to private consultants and specialists, so you can have diagnostic tests with no fuss. And although you won't be covered for any treatment costs, there are no limits to the amount we’ll pay out for your diagnosis.
Avoid potential NHS waiting lists
Private tests and consultations to get an initial diagnosis, at times that are convenient for you
More affordable than full health insurance because it doesn’t cover the costs for any treatment
Access to the Aviva Digital GP app, Stress Counselling helpline and money-saving offers at over 3,000 health and fitness clubs
What our diagnostics insurance covers
Our cover focuses on getting you the diagnostic tests and consultations you’ll need for an initial diagnosis.
- Specialist fees for outpatient consultations and diagnostic tests
- Diagnostic tests such as CT, MRI and PET scans, X-rays, blood tests and ECGs
- Specialist fees for inpatient and day patient diagnostic tests
- Inpatient and day patient hospital charges for diagnostic tests such as an endoscopy
What's not covered
- Cost of treatment
- Consultations and diagnostic tests after a diagnosis has been made
- Routine medical examinations and screening
- Pre-existing conditions
If we look at your full medical history when you apply (full medical underwriting), we’ll usually exclude any conditions you had previously. If we don’t look at your full medical history when you apply (moratorium underwriting), when you make a claim, we’ll ask about any pre-existing conditions you had in the five years before you took out the policy. These conditions will only be covered if you’ve been free from medication, treatment, diagnostic tests or advice for them for two continuous years after taking out this policy.
This is a summary of the cover and exclusions. Please read the Speedy Diagnostics terms and conditions for full details.
Types of health insurance
We offer two types of health insurance — full, private health insurance cover and diagnostics only cover. Both can help avoid NHS wait times, however because our diagnostics cover doesn’t pay for any treatment, it’s cheaper than traditional private health insurance.
This table shows the main differences between these two types of cover:
|Diagnostics Insurance||Private Health Insurance|
|Summary of cover||Speedy Diagnostics covers the costs of tests to find out what’s wrong, and helps you avoid waiting lists, but doesn’t pay for treatment.||With Healthier Solutions, you get access to prompt, private medical treatment, with many benefits as part of your core cover.|
|Cover for diagnostic tests with a specialist, including MRI scans, X-rays, blood tests and ECGs||until point of diagnosis||Yes|
|Hospital and specialist charges for inpatient and day patient diagnostic tests||until point of diagnosis||Yes|
|No claim discount (NCD)||Yes||Yes|
|Prompt access to treatment in quality private facilities||No||Yes|
|Cancer treatment and aftercare||No||Yes|
|Cover towards outpatient mental health treatment and specialist referred physiotherapy||No||Yes|
|Options to enhance or reduce your cover||No||Yes|
|Access to the Aviva Digital GP app with 5 GP video consultations per member, per policy year*||Yes||Yes|
|24/7 access to the Stress Counselling helpline. This service is available to members aged 16 and over||Yes||Yes|
|Get Active – savings on gym services, discounted lifestyle products and offers at over 3,000 nationwide health and fitness clubs*||Yes||Yes|
|Mental health support – we provide easy access to information and articles on a range of topics*||Yes||Yes|
|MyHealthCounts – an online health and wellbeing tool that provides members over the age of 18 the chance to qualify for up to 15% off their renewal premiums||No||Yes|
Looking after your health and wellbeing
When you take out diagnostics insurance with us, it's to help you find out what's wrong should you have a medical condition. There are also benefits you can take advantage of today.
Aviva Digital GP app*
You’ll have around the clock access to the Aviva Digital GP app, powered by Square Health. With the app you can get five GP video consultations per member, per policy year. You can also order repeat NHS prescriptions in-app with free UK delivery (all NHS England exemptions accepted).^
Get Active helps you stay fit and healthy with discounts on online workouts, as well as savings on more than 3,000 health and fitness clubs nationwide. You'll also find a variety of discounted products and services to help you and your family get active and keep healthy. Terms and conditions apply.
Stress Counselling helpline
The Stress Counselling helpline can offer support for personal or work-related stress issues. Talking and sharing can be the first step in helping to work through problems and resolve them. Our experienced counsellors are available 24 hours a day, seven days a week. This service is available to members aged 16 or over.
Mental health support*
Your mental health is important. We want to help you when things become too much. If you're experiencing stress, anxiety or poor mental health, it can be difficult to get back on track.
You can access online articles and information, on a range of topics, to help support your mental health when the situation arises.
*These services are non-contractual and can be withdrawn by Aviva at any time.
Ready to get a quote?
Our Speedy Diagnostics cover is just a few steps away
How to make a claim
Once you’re covered with us, making a claim and accessing private diagnostic services is quick and easy.
Visit your GP
See your GP if you're feeling unwell. If they want you to see a specialist for diagnostic tests, tell them you've got diagnostic health insurance with us. It's simpler to ask your GP for an open referral, so we can help find the best medical facility and consultant covered by your policy. If you arrange appointments before contacting us, we may not be able to approve a claim.
To start your claim, call our claims team on 0800 158 3333, with your policy number and details of your symptoms. We’re open Monday to Friday 8am-6:30pm and Saturday 9am-1pm. Calls may be monitored or recorded. Calls to 0800 numbers from UK landlines and mobiles are free.
Book your diagnostic tests
We’ll let you know the facilities and specialists your policy covers. We can settle most bills directly with a hospital and many specialists send their bills straight to us.
Our health cover options
From full health insurance with a level of cover you can adjust, to cover for specific conditions, here's how else you can help protect yourself.
Cover that pays your private healthcare costs if you have a treatable condition.
Age: 18 or over for the policyholder, but you can cover the whole family
Cover: Extensive core cover you can enhance or reduce to suit your needs
Get a cash benefit on diagnosis and money towards cancer drug costs.
Cover: £5,000 cash benefit
Payment: When we've received a letter from the GP and specialist
Flexible treatment options to recover from illness and injury.
Age: 18 or over
Cover: Face-to-face and virtual physiotherapy
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1Cover from £1.21 based on average annual premium of all existing customers with Speedy Diagnostics cover as at May 2021, divided by 365 days.