Private Medical Insurance

Protect your business from the cost of illness and injury

What is Private Medical Insurance?

Private Medical Insurance covers the cost of private treatment for short-term illnesses and injuries. This means that the people you rely on can get back to helping you grow your business.

Start protecting your business today

Take care of your people and protect your business with a choice of options from one of the country’s largest, most respected insurers.

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How can Private Medical Insurance help your business?

Get fast treatment that fits around your business

We all know hospital waiting lists can be long. But your business can’t wait. With private medical insurance, your staff can get treatment, fast, so work isn't disrupted.

Help your people stay healthy and take less time off

You'll get access to a 24/7 GP helpline and a stress counselling helpline your staff can call to talk to a GP or stress counsellor. Your staff can also get discounts on health and fitness club membership across the UK.

Award-winning cover from

Heath Insurance Awards winner

Health Insurance Company of the Year 2016 - 7th year running

Best Group Private Medical Insurance Provider 2016 - 7th year running


Significant benefitsHelp

Solutions provided by Aviva is a modular product that enables Employers to choose a level of cover to suit their needs. PureBenefits have set out some recommended options below to give you an idea on basic, standard and comprehensive cover. For full details on Solutions, please read the policy wording.
To quote on and buy this product you will need a minimum of 2 employees.
Hospital list Help

Key hospital list: giving you and your employees access to around 300 hospitals across the UK, and also access to use any NHS hospital recognised by Aviva.
Extended hospital list: increases the number of hospitals you have access to in London.
Remember if Aviva has a network for your employees’ conditions or suspected conditions, they will need to use Aviva’s network facility for their treatment, which may not be a hospital from your chosen list.
Extensive cancer cover Help

Extensive cover and support at every stage of cancer treatment as recommended by your specialist. Cover includes additional benefits such as an NHS cancer cash benefit, wigs benefit, external prostheses benefit as well as monitoring cover for up to 10 years.
Mental health treatment (in/day-patient treatment) Help

Maximum combined in-patient and day-patient treatment per person per policy year.
tableCross28 days45 days
Routine/GP referred services Help

Benefits are subject to a combined limit of £1,000 for each member, every policy year: Consultations with a fee approved specialist and diagnostic tests, for a chronic condition. Follow-up consultations with a fee approved specialist to monitor a member when they have finished treatment for an acute condition. GP referred radiology and pathology for any condition other than pain in the back, neck, muscles or joints – musculoskeletal conditions. GP referred treatment by a physiotherapist, chiropractor, osteopath, acupuncturist (up to 10 sessions in combined total each member, each condition, every policy year) for any condition other than pain in the back, neck, muscles or joints – musculoskeletal conditions. GP referred treatment by a chiropodist/podiatrist, homeopath for any condition other than pain in the back, neck, muscles or joints – musculoskeletal conditions. GP minor surgery up to £100 per procedure.
BacktoBetter Help

Treatment for pain in the back, neck, muscles or joints – musculoskeletal conditions. Solutions includes BacktoBetter, Aviva’s independent musculoskeletal case management service, as standard for everyone covered on the policy helping your employees get better and back to work quicker. BacktoBetter offers rapid access to a clinical case manager who can help employees deal with the pain and disruption of a musculoskeletal injury. There is no need for your employees to see their GP before accessing BacktoBetter. Clinical case managers will make sure they get the very best advice and quickly organise any necessary treatment.
Dental & optical cover Help

* £500 routine dental benefit (excess applies)
* £600 accidental dental injury benefit
* £300 optical benefit (excess applies).
A £50 excess applies separately to both the routine dental benefit and optical benefit.
Six week waiting period Help

If this option is chosen, a member cannot claim for private treatment as an in-patient or day-patient, NHS cash benefit, NHS cancer cash benefit or for the cost of an NHS amenity bed if their treatment is available on the NHS within 6 weeks from the date their specialist recommends it.
Excess (per person per policy year) Help

An excess of either £100 or £200 is payable once each member, every policy year.
Selected benefit reduction Help

A cost containment option which excludes cover for investigations into the causes of infertility, treatment for complications of pregnancy and childbirth, surgical procedures on the teeth performed in a hospital and limited emergency overseas cover. This option applies to Basic and Standard cover only.
Reduced out-patient cover Help

A cost containment option which limits some out-patient benefits to a combined limit of £1,000 each member every policy year. Some benefits are covered in full such as CT, MRI and PET scans, pre-admission tests, physiotherapy for musculoskeletal conditions and radiotherapy/chemotherapy. Limited benefit applies to all other out-patient benefits, please refer to the policy wording for full details. This option applies to Basic and Standard cover only.
£1000 pa£1000 paFull Refund
Underwriting requirements Help

Moratorium underwriting replaces filling out a medical health questionnaire; an automatic exclusion applies to any disease, illness or injury (whether or not diagnosed) or any related condition if: a member had symptoms, mediation, diagnostic tests or treatment for, or advice about such a disease, illness or injury within 5 years before joining Solutions; and there has not been a clear 2 year period after joining during which the member has been free of medication for, diagnostic tests for, treatment for or advise about such a disease, illness or related condition.

These are specified groups of facilities, specialists or other practitioners that Aviva recognise to provide treatment for particular conditions or suspected conditions. If Aviva have an appropriate network for your employees’ conditions or suspected conditions, Aviva will tell them where they can have their treatment which may not be at a hospital on your chosen list. Aviva will only pay for that treatment if it is carried out within their network. A list of the conditions or suspected conditions for which Aviva have networks in place can be found in the Networks guide below.
Added Value Benefits
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24 hour GP and stress counselling helplinestableTicktableTicktableTick
MyAviva Help

MyAviva – An online platform will help your staff manage their Aviva policies in one secure, easy-to-use place at a time that suits them. There’s a whole host of other benefits at their fingertips.
Staff can:
• Check their policy information
• Change their personal details
• Get access to useful online tools
• 20% discount for existing customers off selected new Aviva products
• Enjoy Aviva Advantages offers and competitions
• Download our smartphone app to view their policies on the go



For information related to Tax and National insurance please click here

This is a summary of the cover provided by Aviva. Please refer to the Aviva Private Medical Insurance Product Booklet and Policy Wording for full information

Here's a little more information about the policies we provide:

Start protecting your business today
Take care of your people and protect your business with a choice of options from one of the country’s largest, most respected insurers.

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