Aviva is to revamp its International Solutions private medical insurance from 1 February 2014 with greater flexibility and a tailored policy for expats in the Gulf.
Intermediary commission for new and renewal group business has also been flattened to 15%, and there will be no rate increase on the policy until April 2014.
Teresa Rogers, international business lead, Aviva UK Health 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."
The insurer sought feedback from intermediaries when designing the policy's updated features.
Aviva has simplified its global regions into two areas rather than six with policies now available as Worldwide or Worldwide (excluding USA and Caribbean cover) with pricing based on comparative risk and medical costs rather than location.
It has also created a new tailored Gulf Solutions policy for group customers with cover for employees based on Kuwait, Oman or Qatar, as well as those based in the United Arab Emirates.
Individual customers can also take out the Gulf Solutions policy if they are living or working in Oman or the UAE.
In addition standard core benefits have been increased to an annual benefit level of £5m. Policies also now carry an International Cancer Pledge to cover treatment and palliative care. Additionally cover is provided for aftercare including money towards prostheses and wigs.
Meanwhile, In and Day patient care now includes cover towards the costs of organ transplants and harvesting, and an increase in rehabilitation cover from 14 to 25 days.
Out-patient care has added cover for up to ten speech therapy sessions, and policyholders will be able to access 20 consultations with a doctor per year, with an increase in prescription spend from £1,500 to £3,000.
Customers can also upgrade their core cover with maternity plus cover, dental plus cover, wellbeing, additional out-patient and alternative therapies cover, as well as repatriation and compassionate travel cover.
They will also be able to reduce costs by removing benefits such as excess and essential out-patient.
Rogers said the policy had been re-designed to create "peace of mind for customers" and to be "sustainable."
