AVIVA recently stopped operations in the ME and have transferred their portfolio over to Aetna. This will be effective May 2018 and any existing policies renewing after that date will be offered an Aetna plan on renewal.
Aviva is a leading provider of life and general insurance in Europe, and the largest insurer in the UK. With a heritage of 300 years, it caters to 31 million people worldwide, and therefore is a highly established and well-known brand.
In the UAE, Aviva has partnered with Emirates Insurance Company, established in Abu Dhabi in 1982. Emirates Insurance company is the fourth largest insurance company in the UAE, with a staff of 250 employees across 30 offices in the region.
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
Additional benefits include:
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.
Gulf Solutions 3
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.
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
The above is covered for up to $800 in combined total. Each test is covered once every two years
For further information please refer to the brochures in the resources section, or contact us for more detailed information.
Claims are generally paid within 10-15 working days however this is subject to the type of claim and accuracy of documents submitted.
As a UK parented org., we opted for Aviva immediately. It's great to work with a company we know.
There have been a few hiccups - but these are always ironed out.
We can tell Aviva intend to take a massive slice of the UAE market by their approach.
We look forward to this meaning the flexibility of their plans and the stability of pricing improves.
Whilst still relatively new to the UAE market, Aviva is extremely well known as an established brand in the UK. This has enabled them to carry over their experience and customer service to the UAE. They offer a high-level individual product with a basic module, and 3 other modules that can be added on to the basic (Gulf Solution 1 plan).
As they are still in the growth phase, the plans need to adapt to the market demand. We’re looking forward to Aviva offering options for co-insurance, deductibles, along with different levels of dental care. Currently, these plans are fixed and therefore cannot be customised to reduce the cost for our clients.
Aviva medical insurance is a great option for UK expats, as they offer full direct billing in the UK.
If you are a business owner or HR professional in the UAE, you’re looking to save money on your employee benefits package and reduce your company medical insurance costs, we will review your current plans and related expenses. Please contact us or call us on +971 (0) 4559 4900.
At AES International, we focus on providing long-term solutions, tailored to an individual organisation’s needs, to help you improve overall employee wellness, drive up productivity and engagement, and enable you to manage your corporate medical insurance spend year on year.
Make a selection from the options above to find the right AES service for you.