The idea behind speedy diagnostics is to speed up any waiting list that clients might face when they need to find out what is wrong, enabling them to get a quick diagnosis at a time and place convenient to them.
The plan covers both initial consultations and diagnostic tests, such as scans and X-rays, and also provides access to 24 hour GP and stress counselling helplines. Any follow up consultations and treatment that may follow from the diagnosis are not covered by the plan, so clients will have to use the NHS or pay privately for this. Diagnostic tests ordered by a GP without referral to a specialist, diagnostic tests to discover the cause of infertility and those relating to sleep disorders are not covered by the plan.
There are no overall limits to the amount it will cover, but specialists’ fees are covered up to the limits contained in Aviva Health Uk’s fee schedule. This sets out the amount the firm will pay for each procedure and anaesthetic.
Outpatient scans will only be covered at a diagnostic centre, and the plan will only £200 for each admission for diagnostic tests as a day-patient or £250 per night for diagnostic tests as an in-patient where clients use a hospital that is not recognised by Aviva for diagnosic tests. Diagnostic tests as an in-patient or day patient such as the removal of tissue for a biopsy will be covered, and charges for accommodation and meals, nursing, drugs, dressings and theatre fees.
Premiums are payable for clients, children over 20 and their eldest child under 20, while any other children are covered free.
There is a 15 level no claim discount up to 75 per cent, with discounts increasing by one level each year a client does not claim. It is also possible to get up to 40 per cent off the cost of gym membership.
The product could suit people who do not want or cannot meet the costs of full private medical insurance plans, who see quick diagnosis as a priority and who are then happy to pay privately or have treatment on the NHS. However, clients may still face a wait on the NHS for treatment if they have no other means of meeting those costs.