Aviva Health Insurance

An independent review by our team of experts.

Review summary

Aviva

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.

Overview

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.

The pros

  • Leading insurance company
  • Well established and widely recognised brand
  • Direct billing with all UK hospitals and clinics
  • Plans offer decent benefits
  • High maternity ($16,000 USD) cover as a standard offering
  • Excellent track record of customer service
  • Optical cover included on all plans as standard

The cons

  • New in the UAE market
  • Increased their rates twice within the first year
  • Still figuring out the market prices
  • Plans don’t offer flexibility
  • No ability to move to a lower network or add any deductibles or co-insurances
FAQs
Which hospitals, clinics and pharmacies can I have access to if I am insured with Aviva?
Please refer to the network list in the additional resources section below.
How long does it take for a claim to be processed?

Claims are generally paid within 10-15 working days however this is subject to the type of claim and accuracy of documents submitted.

Can I submit a claim online?

Learn how to submit a claim with 4 easy steps. Please click here.

Can I review the status of my claim online? What are the other ways to follow up?

Yes, you can view the status of your claim once you log into your account.

Alternatively, you can call +44 2380 371944 or email international.sales@Aviva.co.uk.

Customer reviews
Our first choice

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.

Expert verdict
Expert Assessment of Aviva

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.

“Thank you AES International for helping me and my family with your low cost no-nonsense approach. It is refreshing!”

Kristian Petersson

“With this sort of service you also expect to be paying very high fees, but it’s just not the case. I would definitely recommend AES.”

Jake van den Dries

“In the short time that I’ve been using AES I’ve made nearly ten thousand pounds and couldn’t be happier!”

Jackie Pym

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