Aviva is introducing a raft of changes to its International Solutions international private medical insurance plan, from 1 February for both new and existing customers.
The main changes are:
* Global regions for pricing have been simplified down from six to just two – Worldwide and Worldwide (excluding USA and Caribbean).
* A new Gulf Solutions policy is being launched for group customers in Kuwait, Oman, Qatar or the United Arab Emirates (UAE). Individual customers living or working in Kuwait or UAE can also choose this plan. Claims are managed in partnership with NAS Administration Services.
* All policies now carry an international cancer pledge regarding treatment and palliative care and also cover aftercare.
* Inpatient and Daypatient Care will also pay towards organ transplants and harvesting and rehabilitation cover is increased from 14 to 25 days.
* Outpatient Care also now includes cover for up to ten speech therapy sessions, following a referral by a specialist after hospital admission.
* Additional benefits include cover for complications of pregnancy as standard, with optional Maternity and Maternity Plus policy upgrades to cover routine costs of pregnancy and childbirth, including pre and post-natal care. Home nursing benefits have been increased from 28 days to 60 days.
* A range of Everyday Healthcare benefits a customer might expect from their GP at home includes up to 20 consultations with a doctor a year and higher limits for prescription medicine and vaccinations. Everyday Healthcare now includes cover towards Hormone Replacement Therapy too.
* Condition Management for acute phases of congenital conditions is 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, the policy’s Evacuation & Emergency Assistance cover will arrange evacuation to the nearest facility, even if that is in another country.
All International Solutions customers get round-the-clock overseas support, 365 days a year. This includes a 24 hour medical emergency assistance helpline; a 24 hour medical advice helpline from a network of medical providers in 86 countries; and 24 hour secure online access to medical records through My Health Passport.
Customers can upgrade their core cover by adding:
* Maternity or Maternity Plus cover, which includes investigations into fertility.
* Dental or Dental Plus cover, which provides 100% reimbursement up to specified limits and a range of benefits including orthodontic treatment for children.
* Wellbeing, to help keep customers fit and healthy with cover for routine examinations, screening, hearing and dietician tests. Co-payment has been removed so customers no longer have to pay the first 20%.
* Additional outpatient & alternative therapies cover.
Repatriation & Compassionate Travel cover to help with travel and accommodation costs in the event of a family emergency.
Value options are available to help reduce premiums. These include a range of excess levels, reducing outpatient cover or removing some core benefits such as Everyday Healthcare.
What They Say
International business lead Teresa Roberts, said: "We wanted to give customers greater clarity in what we pay for and more value and additional choice by reducing some benefits as well as increasing others."
What We Say
"Aviva has embarked on making a number of changes including launching a bespoke product for the Middle East and simplifying its geographic pricing choices down to just two. The other changes all add cover or give more choices.
"It adds up to a generally stronger proposition, although some benefits have been reduced as part of the update."