Aviva is offering customers the option to cut the cost of their health insurance by limiting the amount of out-patient cover their health policy provides.
Aviva health insurance policies would normally offer full cover for the cost of specialist consultations, diagnostic tests, and specialist referred treatment by a physiotherapist, chiropractor or osteopath.
However, with the new ‘Healthier Options’ modular policy structure, customers can now obtain a 30% cheaper health insurance premium if they limit their health cover for consultations to £500 per year, or a 15% premium if they limit their annual cover to £1,000.
Customers can now also cut their premium costs by accepting a higher excess level on their health insurance policy. The excess charge is the initial cost that will be carried by the policyholder, before their health insurance policy takes over.
Aviva customers who agree to pay the first £5,000 of their own costs, before their health insurance policy takes over, can benefit from a discount on premiums of up to 65%. Those who agree to pay the first £3,000 of their own costs will be eligible for a discount of up to 50%.
Further optional excess levels range from zero (i.e. the health insurance kicks in straight away) to £100, £200, £500 and £1,000, and bring premium discounts of between 5%-35%.
Healthier Solutions also offers a ‘protected no-claim discount’ option, where customers pay extra to ensure that if they do claim on their health insurance policy, they may not lose their no-claims discount.
