Aviva
Health Insurance

Aviva provides medical insurance plans for individuals and small to mid-sized businesses.

Employers in the UAE enjoy affordable health benefits that improve the health and well-being of their employees. The plans for individuals and businesses are similar.

Aviva's medical insurance plans:

Gulf Solutions 1

1. Overall annual limit of $8 million USD
2. In-patient and day-patient treatment at a hospital
3. Maternity cover
4. Accommodation for close relative (UAE)
5. Out-patient treatment

Additional benefits include:

1. Organ transplant
2. Complications of pregnancy and childbirth
3. New-born cover of up to $160,000 and in full for residents of Abu Dhabi
4. External prostheses of up to $8,000
5. Parent hospital accommodation when staying with a child covered by the policy
6. Care at home by a nurse
7. Local ambulance
8. Treatment for accidental dental injury, hearing and sight loss for UAE residents

For a comprehensive list of benefits, please refer to the table of benefits located in the additional resources section below.

Gulf Solutions 2

The following benefits are subject to a combined limit of $2,400 for each member every policy year.

1. Includes all benefits from Gulf Solutions 1, plus the following:
2. Routine dental examinations up to $480
3. Routine dental treatment up to $960
4. Complex dentistry (includes orthodontic treatment for members aged 17 or under) up to $1,920.

Gulf Solutions 3

1. Includes all benefits from Gulf Solutions 1&2, plus the following:
2. Psychiatric treatment on referral by a general practitioner for up to 10 consultations
3. Speech therapy for children on referral by a general practitioner - up to 5 sessions for each child covered by the policy
4. Rehabilitation up to $11,200

The following benefits are subject to a combined limit of $4,000 for each member every policy year. Members do not need to see a general practitioner or specialist before making a claim for these benefits.

1. Alternative therapies – cover for consultations and treatment with the following practitioners: ayurvedic, Chinese medicine, acupuncture, and homeopathy - up to 10 sessions
2. Chiropody and podiatry - up to 10 sessions
3. Osteopathy and chiropractic treatment - up to 10 sessions

Gulf Solutions 4

Members do not need to have symptoms or see a general practitioner or specialist before making a claim for benefits in this option

1. Cancer screening, PAP smears, mammograms, prostate screening, bowel screening
2. Other tests and examinations such as blood pressure, hepatitis, HIV, gastroscopy

The above is covered for up to $800 in combined total. Each test is covered once every two years

1. Hearing tests (excluding hearing aids)
2. Dietitian and allergy tests (limited to four for each policy year)
3. Travel vaccinations up to $ 800 (including anti-malarial treatment)

For further information please refer to the brochures in the resources section, or contact us for more detailed information.