Aviva and WPA both set out wording for 6 of the same benefits. This compares what each policy document says, benefit by benefit — only the benefits both address are shown, so every line is a like-for-like comparison rather than a gap.
| Benefit | Aviva — Healthier Solutions | WPA — Complete Health |
|---|---|---|
| Chronic conditions | Chronic conditions are excluded outright — anything needing ongoing or long-term monitoring, consultations, check-ups or tests. | Long-term (chronic) conditions are excluded, alongside pre-existing conditions, fertility, pregnancy and childbirth, HIV/AIDS, cosmetic treatment, allergies — and varicose veins for the first two years on full medical or moratorium underwriting. |
| Excess | Six excess tiers are offered, applied per member per policy year. | As well as a per-policy-year excess, WPA offers Shared Responsibility, where the member pays 25% of eligible claims up to a chosen ceiling. No other document we hold offers a cost-sharing option of this kind. |
| 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. | Mental health is a paid Optional Extra. It covers in-patient and day-patient treatment for up to 28 days or nights, and requires choosing an out-patient and therapy level of either £1,000 or £2,500. Structured counselling runs to 20 sessions. |
| 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. | Treating on the NHS instead pays a tiered cash benefit — £150 a day or night for day-patient and short stays, £200 a night from three nights, and £150 a day for out-patient scans and procedures — capped at £4,500 a year. |
| 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. | Out-patient consultations with a specialist are capped at £250 a policy year as standard, extendable by buying the Extra Out-patient Consultations option. |
| Treatment abroad | Treatment outside the UK is not paid for at all. | Overseas emergency treatment is an option at two levels — 35 or 70 days a trip, capped at 180 days and either £250,000 or £500,000 — and excludes the USA and winter sports resorts. |
Where they actually differ
- excess: Aviva includes it in the plan, while WPA includes it, with a stated limit.
- mental health cover: Aviva includes it, with a stated limit, while WPA offers it as an add-on.
- out-patient limits: Aviva includes it, with a stated limit, while WPA offers it as an add-on.
- treatment abroad: Aviva includes it in the plan, while WPA includes it, with a stated limit.
Those are the lines that change a claim. Where both include a benefit, the detail that separates them is usually the limit and whether a referral is needed — which is why the wording above is worth reading in full, not just the fact that a benefit appears on both.
The full document for each
- Aviva Healthier Solutions: every benefit we have quoted
- WPA Complete Health: every benefit we have quoted
Get a quote for either — or the whole market
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Sources
- Aviva — Source: Healthier Solutions Terms and conditions (April 2025), read 4 September 2026.
- WPA — Source: Private Medical Insurance — Insurance Product Information Document (Complete Health) (November 2025), read 4 September 2026.