Aviva
Name Aviva's 5 hospital network
Expert Select, Trust, Key, Extended, Signature
Name Vitality's 3 hospital networks
Consultant Select, Countrywide, London Care
Name AXA's three plans
Personal Health, Health On Line, Inspire
Name 3 benefits of having health insurance
Wait times, private room, en suite, cancer drugs, level of care etc.
What is the 6 week option?
Only applies to in/day patient treatment, if the NHS can treat you within 6 weeks they must go on the NHS for their treatment.
Name three benefits you get from the Vitality rewards?
50% off gyms, 50% off health screen, apple watch, Waitrose, runners need, cinema tickets, caffe nero etc.
What is the discount for paying annually with AXA?
5%
How does a moratorium work?
Captures last 5 years of medical history and excludes pre existing conditions until client can go 2 years on the policy with no further treatment, advice, medication.
What are the three questions asked when applying for the 'My Healthy Discount'
1. Smoked in the last 12 months
2. Diagnosed with diabetes or pre diabetes?
3. BMI less than 30
What can be added to Vitality's limited outpatient options to enhance the cover?
Diagnostic tests in full
What does an eroding excess mean and how will it apply to an AXA mid range option?
Will come out of there outpatient allowance of 3 consultations leaving them with fewer consultations after paying there excess.
What are the three main reasons why premiums increase at renewal?
Age, Medical inflation & claims
What comes out of Aviva's outpatient on a mid range option?
Consultations, minor tests, therapies & mental health
Name 5 conditions they ask about when switching to Vitality
Cancer, heart, prostate, mental health, arthritis, diabetes, back pain, hospital admission for 2 nights.
What benefit do you not get in the core cover with Health On Line & In spire that you would get on the Personal Health plan
Outpatient Scans
Do you always need a GP's referral when making a claim?
Yes
What benefits do you lose with Aviva when dropping from full cover to a mid range option?
Oral Surgery & Pregnancy complications.
What are the outpatient allowances with Vitality (excluding full diagnostic options)
NIL, £500, £750, £1,000, £1250, £1500, Full
Name the benefits of taking out Extended cover add on with Personal health
Overseas elective surgery, no shortfalls, £500 private GP, Access to all hospitals
What is a shortfall?
Insurers will have fee guidelines for consultants & surgeons, they will only pay up to this amount, anything beyond is deemed a shortfall and paid by the client.