Aviva Flex

What is it?

This plan provides you with 100% cashback on everyday healthcare costs up to chosen annual limits. There are three levels of cover to choose from, allowing you to claim back the cost of your healthcare such as eye tests, dental appointments, chiropody, physiotherapy and allergy testing.

• Read all of the information available including the terms and conditions below before selecting this benefit.
• Decide which of the three levels of cover would be best for you - and your partner, if required.
• When you enrol, you will need to select your chosen level of cover and any dependents you want to cover.
• If you've previously selected this benefit through my Aviva flex and you're happy with your level of cover you don't need to do anything at annual enrolment, the benefit will simply continue as before. You should still read the new terms and conditions however as some of the benefits have been revised.

The following table provides an overview of what is included in each level of cover:

	Level 1	Level 2	Level 3
Dental maximum for each person 100% cashback refund	£60	£120	£160
Dental accident Maximum for each person 100% cashback refund	£200	£400	£600
Optical Maximum for each person 100% cashback refund	£60	£120	£160
Hospital benefits: adult & child rates – hospital inpatient (per night) – hospital day surgery (per day) Up to a maximum of 25 nights/days per year, plus any additional costs for completion of claim forms are covered	£20	£45	£65
Parental hospital stay up to a maximum of 25 nights per year, plus any additional costs for completion of claim forms are covered	£20	£45	£65
Maternity – antenatal appointment and adoption A single payment	£150	£300	£560
Physiotherapy, chiropractic, osteopathy, acupuncture and homeopathy Maximum for each person 100% cashback refund	£120	£280	£370
Specialist consultation, ECG, X-ray, and pathology fees Maximum for each person 100% cashback refund	£120	£210	£315
Chiropody Maximum for each person 100% cashback refund	£60	£120	£160
Health & wellbeing: Maximum for each person 100% cashback refund	£60	£120	£160
Personal accident protection	£5000	£10000	£15000
Prescriptions – per items maximum for each adult	1	2	3
FITNESS BENEFIT	Access to special rates
Worldwide cover	Health shield covers you for many benefits anywhere in the world
24 hour helpline – counselling & lifestyle, health & medical and legal advice	24 hours a day, 7 days a week access to telephone helpline for all members
The above benefits are the maximum levels which apply for 2011 - 2012. For later years, both the type of benefit, benefit levels and contribution rates may change in future. (Please see your membership plan for more details).

• Details of monthly charges for each benefit are available when you log in.
• For general questions about this benefit, you can call the my Aviva flex helpline on 0800 917 2310.

Saves on Tax?

Saves on NI?

Terms & conditions

Click here or the PDF icon to download the healthcare cash plan terms & conditions

Payments for this benefit are taxable using the P11D process

• Could you afford emergency specialist treatment if you or your family needed it?
• Do you have any ongoing health problems which need specialist treatment – such as sports injuries or back problems?
• You should compare this benefit carefully to the private medical benefit and dental insurance benefits available through my Aviva flex.
• Are you thinking about choosing dental cover? If you choose the healthcare cash plan, it will cover some or all of your Denplan premiums.
• Dependent children who are under the age of 21 and living at home, or under the age of 24 in full-time education are covered on both Cover for You and Cover for You and Your Partner.

The month after you have enrolled, a membership pack including details on how to make a claim will be sent to your home address.