What Aviva’s own policy document says about 14 parts of its Healthier Solutions cover, quoted rather than summarised. Source: Healthier Solutions Terms and conditions (April 2025), read 4 September 2026.
| Benefit | What the document says | Page |
|---|---|---|
| Six-week option | With the six week option, private in-patient and day-patient treatment is not claimable if the NHS can treat within six weeks of the specialist's recommendation. It also removes the NHS cash benefit and NHS amenity bed cover, and is not sold to Channel Islands or Isle of Man residents. | 11 |
| Excess | Six excess tiers are offered, applied per member per policy year. | 11 |
| Mental health cover | Out-patient mental health treatment is capped at £2,000 a policy year and requires a GP referral to a psychiatric therapist or specialist. | 6 |
| NHS cash benefit | If treatment is taken on the NHS instead of privately, a cash benefit of £100 a night is paid for up to 30 nights. | 5 |
| Chronic conditions | Chronic conditions are excluded outright — anything needing ongoing or long-term monitoring, consultations, check-ups or tests. | 3 |
| Treatment abroad | Treatment outside the UK is not paid for at all. | 24 |
| Dental and optical cover | Dental and optical sit in a separate benefit group, and claiming on them does not reduce the no-claim discount. Accidental dental injury is covered up to £600. | 10 |
| Out-patient limits | Choosing a reduced out-patient limit of £500 or £1,000 also removes in-patient, day-patient and out-patient cover for complications of pregnancy and childbirth and for surgical procedures on the teeth. | 8 |
| Hospice donation | A hospice donation of £70 a day is paid, capped at 10 days. | 5 |
| Home nursing | Home nursing is paid in full, but only immediately following covered in-patient or day-patient treatment. | 5 |
| Parent accommodation | A parent staying with a child in hospital is covered in full, for one parent only, and only where the child is 15 or under. | 5 |
| External prosthesis | Up to £5,000 is contributed towards the first prosthesis after surgery, including the cost of fitting it. | 19 |
| Baby bonus | A £100 baby bonus is paid for each baby born or adopted — but under moratorium or full medical underwriting only if the birth is more than ten months after joining. | 11 |
| Cosmetic exclusion | Cosmetic treatment is excluded, along with any consequence of it, whether or not it is carried out for psychological reasons. | 21 |
Six-week option
You 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 your treatment is available on the NHS (including accident or emergency admissions) within six weeks from the date your specialist recommends it. The six week option is not available to residents of the Channel Islands or the Isle of Man
With the six week option, private in-patient and day-patient treatment is not claimable if the NHS can treat within six weeks of the specialist's recommendation. It also removes the NHS cash benefit and NHS amenity bed cover, and is not sold to Channel Islands or Isle of Man residents. (page 11)
Only 2 of the insurers whose wording we hold address six-week option, so there is no comparison page for it yet.
Excess
Excess options £100 Benefits covered under this policy will be subject to an excess payable for each member every policy year. £200 £500 £1,000 £3,000 £5,000
Six excess tiers are offered, applied per member per policy year. (page 11)
4 insurers in our set document this. See excess compared across 4 UK insurers.
Mental health cover
Mental health treatment as an out-patient Up to £2,000 On GP referral to a psychiatric therapist or psychiatric specialist.
Out-patient mental health treatment is capped at £2,000 a policy year and requires a GP referral to a psychiatric therapist or specialist. (page 6)
6 insurers in our set document this. See mental health cover compared across 6 UK insurers.
NHS cash benefit
NHS cash benefit* £100 each night, up to 30 nights
If treatment is taken on the NHS instead of privately, a cash benefit of £100 a night is paid for up to 30 nights. (page 5)
3 insurers in our set document this. See NHS cash benefit compared across 3 UK insurers.
Chronic conditions
The policy does not cover chronic conditions. A chronic condition is defined as a disease, illness or injury that has one or more of the following characteristics: it needs ongoing or long-term monitoring through consultations, examinations, check-ups and/or tests
Chronic conditions are excluded outright — anything needing ongoing or long-term monitoring, consultations, check-ups or tests. (page 3)
5 insurers in our set document this. See chronic conditions compared across 5 UK insurers.
Treatment abroad
Overseas treatment We do not pay for treatment outside the UK.
Treatment outside the UK is not paid for at all. (page 24)
3 insurers in our set document this. See treatment abroad compared across 3 UK insurers.
Dental and optical cover
Dental and optical benefits. Claims for the benefits in option E will not affect your no claim discount. Treatment by a dentist of an accidental dental injury Up to £600
Dental and optical sit in a separate benefit group, and claiming on them does not reduce the no-claim discount. Accidental dental injury is covered up to £600. (page 10)
4 insurers in our set document this. See dental and optical cover compared across 4 UK insurers.
Out-patient limits
If you have chosen a reduced out-patient limit of £500 or £1,000 you are not covered as an in-patient, day-patient, or out-patient for treatment for: complications of pregnancy and childbirth, or surgical procedures on the teeth performed in a hospital
Choosing a reduced out-patient limit of £500 or £1,000 also removes in-patient, day-patient and out-patient cover for complications of pregnancy and childbirth and for surgical procedures on the teeth. (page 8)
Only 2 of the insurers whose wording we hold address out-patient limits, so there is no comparison page for it yet.
Hospice donation
Hospice donation* £70 each day, up to 10 days
A hospice donation of £70 a day is paid, capped at 10 days. (page 5)
Only 2 of the insurers whose wording we hold address hospice donation, so there is no comparison page for it yet.
Home nursing
Home nursing In full. Immediately following treatment as an in-patient or day-patient that is covered by the policy.
Home nursing is paid in full, but only immediately following covered in-patient or day-patient treatment. (page 5)
Only 2 of the insurers whose wording we hold address home nursing, so there is no comparison page for it yet.
Parent accommodation
Parent accommodation when staying with a child covered by the policy In full. Child of 15 or under receiving treatment that is covered by the policy; one parent only
A parent staying with a child in hospital is covered in full, for one parent only, and only where the child is 15 or under. (page 5)
External prosthesis
we will contribute up to £5,000 towards the cost of purchasing the first prosthesis after your surgery. This includes any cost for fitting the prosthesis.
Up to £5,000 is contributed towards the first prosthesis after surgery, including the cost of fitting it. (page 19)
Only 2 of the insurers whose wording we hold address external prosthesis, so there is no comparison page for it yet.
Baby bonus
We pay the policyholder a baby bonus of £100 for each baby born to or adopted (within a year of birth) by a member during a policy year... If you have moratorium or full medical underwriting, the baby bonus is only available if the baby is born or adopted more than ten months after the policyholder joins the policy.
A £100 baby bonus is paid for each baby born or adopted — but under moratorium or full medical underwriting only if the birth is more than ten months after joining. (page 11)
Cosmetic exclusion
Cosmetic treatment We do not cover procedures, or any consequence of a procedure, that is intended to change your appearance (for example a tummy tuck, facelift, tattoo, hair dye, body piercing), whether or not this is carried out for psychological reasons
Cosmetic treatment is excluded, along with any consequence of it, whether or not it is carried out for psychological reasons. (page 21)
3 insurers in our set document this. See cosmetic exclusion compared across 3 UK insurers.
The other documents we hold
- AXA Health Personal Health — 12 benefits quoted from its October 2024 document.
- Bupa By You — 10 benefits quoted from its 2024 document.
- Freedom Health Insurance Freedom Elite — 4 benefits quoted from its April 2025 document.
- Saga HealthPlan Super — 5 benefits quoted from its May 2025 document.
- The Exeter Health+ — 10 benefits quoted from its October 2025 document.
- WPA Complete Health — 10 benefits quoted from its November 2025 document.
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This quotes one document at one point in time, and insurers revise wording at renewal. It is general information rather than advice, and it cannot tell you what Aviva would offer you personally — that turns on your medical history and the underwriting you accept. See also the guide to comparing UK cover and the list of FCA-authorised brokers.