New International Health Insurance

Aviva have recently launched a new private medical insurance product for people who live abroad. International Solutions is a flexible plan that offers different options for Brits who live abroad.

In the UK we have a fantastic base level of care in the NHS and, bar a few charges, its free for all UK citizens but what about UK citizens who live and work abroad? Different countries offer different levels of health care and for those who want to ensure they keep receiving good care private medical insurance is a very attractive option.

International Solutions offer a comprehensive core policy with a variety of add-on options that will enable people to choose different modules including:

• Wellness, Dental and Optical
• Increased Out-patient
• Compassionate Travel
• Maternity

International Solutions is offered to both individual and corporate clients and cover costs vary according to where you are in the world. If costs are cheaper in one area then they are reflected in the premiums that you pay and if you are in a more expensive band you will also be covered in areas that are less expensive than yours.

Andrew Turner, Aviva’s head of international, said:

'As Aviva’s healthcare arm, we’ve a wealth of experience in the global market and recognise that healthcare provision differs across the world. With budgets tight, both corporate and individual customers need the flexibility to be able to tailor their medical insurance to suit their needs and to complement the healthcare provision in their country of residence.

Offering one of the widest choices of modules available in the market, International Solutions enables them to do just that. And, with additional benefits such as the medical information helpline providing topical information on anything from vaccinations to swine flu, we believe that International Solutions offers some of the most comprehensive benefits in the market.'

Premiums can be reduced in the following ways:

• Increasing excess
• Reduced Out-patient cover
• Reducing Additional Benefits

One interesting thing with International Solutions is that it includes a limited amount of cover for the maintenance of chronic conditions. Normally health insurance does not cover chronic conditions. This may give peace of mind particularly if you are new in a country and unused to its medical system.