Speedy Diagnostics

Speedy Diagnostics
A quick way to find out what’s wrong
with your health.
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Health cover that gives
quick results
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We’re committed to creating products
and services to match your changing
needs and which complement any
existing NHS provisions.
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Our Speedy Diagnostics policy has been designed to speed up any
waiting list you might come across when you need to find out
what’s wrong.
It gives you access to consultants, so you can have a fast, accurate
and reliable diagnosis straight away – with no waiting and no fuss.
Here’s what you can enjoy with our
Speedy Diagnostics policy:
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discount increases by one level each year you don’t claim, up
to a maximum of 75%.
Access to diagnostic consultations and tests
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at a time convenient for you
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And there are no limits to the amounts we will cover for your
diagnosis. With our 15 level no claim discount (NCD), your
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Peace of mind knowing you can get a quick diagnosis
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Lower premiums
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Specialist consultations for diagnostic purposes
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Cover for diagnostic tests such as CT, MRI and PET scans,
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X-rays and ECGs
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24 hour GP helpline and stress counselling helpline
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Up to 40% discount on selected gyms.
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We can help keep you
healthy and happy
We understand that maintaining your health is not always easy, yet we believe that for health care, prevention is better than
cure. To help you maintain your health in the future our Speedy Diagnostics policy offers the following range of extras:
24 Hour GP and
Stress Counselling Helplines
Gym discounts
Our Stress Counselling Helpline is designed to help relieve some
some of the UK’s leading health and fitness clubs and can offer
of your work, home and everyday pressures.
you a range of discounts:
The 24 Hour GP Helpline is there when you need medical advice
or information for peace of mind.
Both helplines offer:
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To help you lead a healthier lifestyle, we have teamed up with
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save up to 40% on gym membership at a range of clubs
a nationwide network of health and fitness clubs available
quality service and quality memberships – 95% of the clubs
have swimming pools.
immediate advice and support – they are open
24 hours, 365 days a year
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experienced help – either from qualified GPs or
trained counsellors
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all in the strictest confidence.
Choose Speedy Diagnostics today
Buying a Speedy Diagnostics policy is easy, so you and your
family can enjoy the peace-of-mind knowing you can get a
quick diagnosis.
This is a summary of the benefits available. Full terms and
conditions are available on request. Calls and emails to and
from Aviva may be monitored and/or recorded.
Here’s what to do next:
In order to obtain an illustration, speak to your insurance
adviser or call us on 0800 42 42 42.
As soon as your application is accepted by us, you will be
covered and we will send your welcome information and
policy schedule.
Advice given on this number will only relate to
Aviva Health UK Ltd products.
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Policy summary
Speedy Diagnostics
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Here is your at-a-glance guide of what’s included when you take
out Speedy Diagnostics cover.
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Speedy Diagnostics is a diagnostics only product which focuses on
giving you the answers you need. It provides fast access to the initial
diagnosis of a medical problem. The cost of treatment is not covered
by Speedy Diagnostics. If you need treatment after diagnosis you
may need to use the NHS or pay for private treatment yourself.
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Benefits
Note
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Diagnostics tests as an out-patient
Specialists’ fees for
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consultations, and
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Specialists’ fees are covered up to the limits
in our fee schedule
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diagnostic tests
Diagnostic tests for example blood tests,
X-rays, scans, ECGs
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Out-patient CT, MRI and PET scans will only
be covered at a diagnostic centre
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Diagnostic tests as a day-patient or in-patient
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Hospital charges for diagnostic tests
for example an endoscopy, removal of
tissue for biopsy
Accommodation and meals; nursing care,
drugs and surgical dressings, theatre fees
Specialists’ fees
Specialists’ fees are covered up to the limits
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in our fee schedule
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Additional benefits – use of these benefits will not affect the no claim discount
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GP Helpline
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Unlimited number of calls
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Stress Counselling Helpline
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What isn’t covered – summary
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Speedy Diagnostics does not cover you for the following:
• Treatment
• Consultations and diagnostic tests after a specialist has made
a diagnosis
• Routine medical examinations and screening
• Diagnostic tests ordered by a GP without referral to a specialist
• Diagnostic tests to find the cause of infertility
• Diagnostic tests related to sleep disorders
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This is a summary of the benefits available. Please refer to the terms and conditions,
which is available on request, for full details of the policy benefits and exclusions.
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Policy summary
Your questions answered
Making a claim
If you have any cause for complaint
Once a GP has recommended that you see a specialist, all you need
Our aim is to provide a first class standard of service to our
to do is call our Customer Service Helpline on 0800 158 3333.*
customers, and to do everything we can to ensure you are
satisfied. However, if you ever feel we have fallen short of this
Can the policy be cancelled?
After we’ve received and accepted your application, you will
receive policy documents and notice of the right to cancel.
From then, you will have 14 days in which to cancel the policy
if you change your mind.
standard and you have cause to make a complaint, please let us
know. Our contact details are:
Aviva Health UK Ltd
Complaints Department
PO Box 540
Eastleigh
SO50 0ET
How long will my policy last?
Telephone: 0800 015 1024
The policy lasts for one year and can be renewed annually. You should
E-mail: hccomp@aviva.co.uk
review your cover regularly to make sure it still meets your needs.
The Financial Services Compensation
Scheme (FSCS)
Aviva are covered by the FSCS. So you may be entitled to
compensation from them if we cannot meet our obligations.
However, this will depend on the type of business and the
circumstances of the claim. Where you are entitled to claim,
insurance advising and arranging is covered for 100% of the
first £2,000 and 90% of the remainder of the claim, without any
We have every reason to believe that you will be totally satisfied
with your Aviva policy, and with our service. It is very rare that
matters cannot be resolved amicably. However, if you are still
unhappy with the outcome after we have investigated it for you
and you feel that there is additional information that should be
considered, you should let us have that information as soon as
possible so that we can review it. If you disagree with our response
or if we have not replied within eight weeks, you may be able to
take your case to the Financial Ombudsman Service to investigate.
Their contact details are:
upper limit. Further information about compensation scheme
The Financial Ombudsman Service
arrangements is available from:
South Quay Plaza
Financial Services Compensation Scheme,
7th floor,
Lloyds Chambers,
183 Marsh Wall
London
E14 9SR
Portsoken Street,
Telephone: 0300 123 9123
London E1 8BN.
Email: complaint.info@financialombudsman.org.uk
Website: www.fscs.org.uk
Website: www.financial-ombudsman.org.uk
Please note that the Financial Ombudsman Service will only
consider your complaint if you have given us the opportunity to
resolve the matter first. Making a complaint to the Ombudsman
will not affect your legal rights.
*Calls to and from Aviva may be monitored and/or recorded.
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Policy summary
Pre-existing conditions
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Your policy is also subject to one of five ways of dealing with pre-
However, we may cover a pre-existing condition if you do
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existing conditions. This is sometimes called underwriting.
not have:
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Full medical underwriting (FMU)
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We do not cover diagnostic tests for any pre-existing condition,
or any related or associated condition, unless:
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you told us about the pre-existing condition in writing when
you applied for the policy; and
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we did not apply an exclusion for it.
We may review your personal medical exclusion(s) at your renewal
date, if you ask us to. If we have recently applied an exclusion
when you joined the policy or reviewed a medical exclusion at your
renewal date, we will let you know when the medical exclusion
may be reviewed again, if you ask us.
We will not alter or remove a medical exclusion if the excluded
medical condition (or any related conditions) is likely to need
diagnostic tests or treatment in the future. There are some
medical exclusions that we will not review, for example, if it
is a chronic condition.
Continued medical exclusions (CME)
For members who were fully medically underwritten (FMU) on
an Aviva private medical insurance policy and then transferred
to Speedy Diagnostics we apply the personal exclusions for
pre-existing conditions that we placed on your previous policy.
These will be clearly shown on your policy schedule. The terms and
conditions of this policy will be different to your previous policy.
medication for,
diagnostic tests for,
treatment for, or
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advice about
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that condition during a continuous two year period after you
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join the policy.
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Continued moratorium (CMORI)
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For members who were insured on a moratorium (Mori) basis
on an Aviva private medical insurance policy and then transferred
to Speedy Diagnostics.
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or any related condition, if you had:
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symptoms of,
medication for,
diagnostic tests for,
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treatment for, or
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advice about
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that condition in the five years before your initial date of cover.
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Your initial date of cover will be the date that you first started
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cover with Aviva (provided that there has been no break in cover
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since then). If you do not receive:
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medication for,
diagnostic tests for,
treatment for, or
advice about
that condition during a continuous two year period after your
initial date of cover, this exclusion will not apply.
We do not cover diagnostic tests for any pre-existing condition,
The terms and conditions of this policy are different to your
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symptoms of,
medication for,
diagnostic tests for,
previous policy.
Medical history disregarded (MHD)
treatment for, or
For members who were insured on an MHD basis on an Aviva private
advice about
medical insurance policy and then transferred to Speedy Diagnostics.
that condition in the five years before you joined the policy.
We do not apply any personal exclusions to your policy as a result
of pre-existing conditions. The terms and conditions of this policy
will be different to your previous policy.
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We do not cover diagnostic tests of any pre-existing condition,
Moratorium (Mori)
or any related condition, if you had:
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Further information
We realise you may have more questions about Speedy Diagnostics.
So to help you, we’ve put together the following questions and
answers for extra guidance.
How do I make a claim?
It’s really easy. Once your GP has referred you to see a specialist for
diagnosis, you simply call our customer service team. One of our
advisers will confirm what you are covered for and the specialists
What does Speedy Diagnostics cover?
you can see. If you have a preferred specialist, just let us know and
It covers you for all diagnostic tests and consultations that lead
we can do a quick check to see if they are on our list.
to an initial diagnosis of your symptoms. It does not cover any
What is the main benefit of Speedy Diagnostics?
Will Speedy Diagnostics cover me for more than
one consultation and tests for more than one set
of symptoms?
You can avoid lengthy waiting times for diagnostic consultations
Yes, you can be covered for more than one set of symptoms.
and tests which means you can get to the bottom of what’s wrong
There is no limit to the number of tests you can have so that your
with you, as soon as possible.
specialist can make an initial diagnosis.
What’s the difference between Speedy
Diagnostics and full private health insurance?
Am I covered for follow up tests and
consultations?
With Speedy Diagnostics you are covered for diagnostics only. Any
Speedy Diagnostics is focused on finding out an initial diagnosis
treatment you need following your diagnosis will not be covered.
and so we wouldn’t cover any follow-up tests or consultations.
Health insurance policies generally cover you for treatment as well.
Similarly, if you have to have any ‘pre-operation’ tests, for example,
treatment resulting from your diagnosis.
As Speedy Diagnostic doesn’t cover you for treatment as well, we
can offer you a lower premium. Find out how low this could be by
getting a quote today.
a blood test to ensure you are fit enough for the operation, these
will not be covered. However, the consultation where you are
given your test results and diagnosis will be covered.
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Aviva Health UK Limited. Registered in England Number 2464270.
Registered Office 8 Surrey Street Norwich NR1 3NG. This insurance is underwritten by
Aviva Insurance Limited. Registered in Scotland Number 2116, Registered Office Pitheavlis, Perth PH2 0NH.
Authorised and regulated by the Financial Services Authority. Aviva Health UK Limited,
Head Office: Chilworth House Hampshire Corporate Park Templars Way Eastleigh Hampshire SO53 3RY.
aviva.co.uk/health
© Aviva plc GEN3379 11/2011
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