In response to customer feedback, Aviva has now added two new reduced out-patient benefit options and a choice of higher excess options, to its Healthier Solutions individual health insurance product.
Customers can now reduce the out-patient cover available as standard on Healthier Solutions by selecting either a £500 or £1,000 limit (per person per policy year) for specialist consultations, diagnostic tests, specialist referred treatment by a physiotherapist, chiropractor or osteopath and psychiatric treatment as an out-patient.
Customers choosing a £500 out-patient benefit limit will receive a 30%1 discount off their premium and those choosing a £1000 limit will receive a 15% premium reduction.
In addition, Aviva has also added two new high excess options.
Customers can now benefit from up to 65% reduction on their premiums by choosing a £5,000 excess and a 50% reduction for the £3,000 excess. Aviva also offers a no excess option and a choice of £100, £200, £500 and £1000 excess, all payable per person per policy year. The discounts for these options range between 5% and 35%.
Neal Archbold, Head of Propositions Management & Market Development, Aviva UK Health said:
"There is an increasing appetite for higher excess options and reduced out-patient cover, similar to the popular option we already offer on our Solutions product for group schemes.
"While we recognise that the high excess option won't appeal to everyone, it gives those customers who are happy to contribute towards their medical treatment the choice to do so in return for significant premium discounts."
