Benefit limits up
Aviva has increased the benefit available on its international private medical insurance (iPMI) proposition.
International Solutions now offers an overall benefit limit of £5m (increase from £1.5m) and routine chronic cover of £15,000 a year (double the previous amount). Newborn lifetime cover has been increased fivefold to £100,000 for 112 days.
Aviva has also transferred a number of benefits from its additional cover options into the core cover of the product, including cover for vaccinations, which was previously only available to customers purchasing the wellness module.
Customers will now have 24 hour access to StandbyMD, a service offering advice from a doctor. The "healthcare concierge" service is available in 4,000 cities across 86 countries. Customers can also arrange a face to face consultation or a home visit.
Aviva has also set up a new provider network in the United States with Miami-based Olympus Managed Healthcare. This includes around 6,000 hospitals, over 500,000 doctors and 57,000 pharmacies. Policyholders can locate a doctor or hospital in the network online and if they choose to go within the network will have their bills settled directly by Aviva.
Other changes include a new option to remove the mandatory per claim excess on individual policies and, for customers that choose the reduced out-patient option, an increase in the annual limit for consultations, diagnostic tests, surgical procedures and physiotherapy from £1,000 to £2,500. A new repatriation benefit has been developed for customers who choose the compassionate travel option, which enables members to return home to their home country within their region of cover or country of nominated residence is treatment is not available locally.
Improvements have also been made to the dental and optical, and increased out-patient options on both the individual and corporate International Solutions policies.
All new benefits will be available from July 2011 to new customers taking out a policy for the first time and existing customers renewing an International Solutions policy.