Aviva is simplifying its International Solutions private medical insurance, reducing the number of areas from six to two, introducing a new tailored Gulf Solutions policy for customers in the region and enhancements to core benefits.
International Solutions policies will from 1st February 2014 be available as either worldwide or worldwide excluding USA and Caribbean. pricing based on comparative risk and medical costs, rather than geographical location. For all customers, irrespective of where they are based, emergencies are covered for up to 60 days in any country in the world.
Its new tailored Gulf Solutions policy for group customers provides cover for employees based in Kuwait, Oman or Qatar as well as to those based in the United Arab Emirates (UAE). Individual customers can also benefit from the new Gulf Solutions policy, if they are living or working in Oman or the UAE. A partnership with NAS Administration Services provides Gulf customers with a regional claims service with direct settlement capabilities.
For all customers, standard core benefits now include an annual benefit level of £5m.
Aviva has also introduced an International Cancer Pledge to cover treatment and palliative care as recommended by specialists. Cover is also provided for aftercare, including money towards prostheses and wigs.
In and day-patient care now includes cover towards the costs of organ transplants and harvesting, and an increase in rehabilitation cover from 14 days to 25 days.
Outpatient care now includes cover for up to ten speech therapy sessions, following a referral by a specialist after a hospital admission.
Cover for complications of pregnancy is now included as standard, with Maternity and Maternity Plus policy upgrades available to provide customers with cover for the more routine costs of pregnancy and childbirth, including pre and post-natal care. Home nursing benefits have also been increased as standard from 28 days to 60 days.
Everyday Healthcare cover includes up to 20 consultations with a doctor per year and higher limits for prescription medicine and vaccinations. Everyday Healthcare now includes cover towards Hormone Replacement Therapy.
Condition management for acute phases of congenital conditions is also now covered as standard, alongside increased cover for the management of HIV and Aids.
If treatment for any illness or accident covered is not available locally, evacuation to the nearest facility, even if that is in another country, is also included.
Customers can also upgrade their core cover to include features such as Maternity or Maternity Plus cover, which includes investigations into fertility, Dental or Dental Plus cover, and Wellbeing, where co-payment has been removed so customers no longer have to pay the first 20 per cent.
Value options are also available for complete flexibility to help reduce premiums, including options for different excess levels, reducing outpatient cover or removing some core benefits like Everyday Healthcare.
Intermediary commission for new and renewal group business has also been flattened to 15 per cent.
Aviva UK Health business lead, international Teresa Rogers says: “We have made significant improvements to our International Solutions private medical insurance that will provide new and existing customers with enhanced standard benefits and wider geographic cover, greater flexibility, and a new tailored Gulf Solutions policy for customers based in the Gulf region.”