How to use your Aviva plan

Joining Aviva

To join the plan you must be a resident of Ireland.

The contract will last until the renewal date specified on your membership certificate.

As soon as we receive your first payment, you will be covered from the commencement date under your health insurance plan subject to the terms and conditions.

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Member self service area

As a valued member of Aviva, you now have exclusive access to our member secure area. You can see all our member benefits and rewards and have the ability to:

• Have real time access to your policy details online
• Make changes to personal details and cover details
• Instantaneous online confirmation of all updates made

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How to make a claim

If you are in any doubt about whether or not you are covered, you should contact us, prior to undergoing treatment. We can then confirm your level of cover which will assist you with your claim. Please provide your membership number when you contact us.

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Making changes to your plan

Please be aware that as policyholder you are the only person who is allowed to make changes to the plan, unless you have told us that a 3rd party has permission to act on your behalf. If you wish to change your plan, add or remove dependants and have the authority to change your plan, you may do so by notifying us in advance and we will then amend your plan as appropriate. Please note that if this is a company plan paid by your employer you will have to pay for any additional cover not agreed to by your employer. You can make changes by logging on to our member self service area or by contacting us (or your broker) directly.

If you do change your plan, please be aware that a supplementary exclusion period for upgrade of cover may apply.

As soon as we have received all information about the change to your plan and you have paid the premium, we will send you a new membership certificate outlining your new plan details. It is important to let us know when there are any changes in your personal information.

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Renewing your plan

To renew your membership at the end of your policy year all you have to do is continue paying your premiums. The cover provided under the plan and the premiums requested may change from time to time. If this happens, we will let you know in advance. Your premium payments will only change at your renewal date.If you are paying by direct debit or by salary deduction, or if your premium is paid by the company, and you wish to continue cover, no action is required. Where you are paying by direct debit we will collect your monthly payment from your bank at the then current premium rate.

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Cancelling your plan

If you wish to cancel your plan, for whatever reason, you must notify us in writing. If you or any member named on your policy have made an in-patient and/or day case claim you will not be entitled to any refund of premium.

If you have made only (i) out-patient; or (ii) day-to-day claims, we shall refund your unspent premium, on a pro rata basis from the date your cancellation becomes effective, so long as a sum in excess of ten euro (€10) exists to be refunded. In addition, early cancellation will result in your eligible out-patient and day-to-day claims only being reimbursed on a pro rata basis, up to the date of cancellation and the full policy excess will apply.

We reserve the right to unilaterally terminate your cover in certain circumstances, as outlined in this document. We may cancel this policy by giving you at least 14 days notice in writing at your last known address.

Paying your premiums

In order to ensure that you are fully covered at all times, premiums must be paid in advance, according to your agreed payment method.

Payments must be made in accordance with Aviva conditions or they may not be accepted. All payments must be paid in Euros and must be either by direct debit, Laser card or credit card, cheque, cash or salary deduction. Credit card and Laser card payments will only be accepted in three circumstances:

a) as a deposit on your first premium
b) if your monthly premium is late and we informed
  you of such or
c) to pay your yearly premium in advance.

If you do not pay annually, your first payment in any policy year may be slightly more or less than the subsequent payments as a result of rounding.
Aviva premiums may vary from time to time. Should there be a change in premium you will be notified in advance of your next renewal date. If you do not pay your premium on time Aviva may cancel your health policy, with effect from the date the first missed payment was due and not received. Income tax relief is currently available on your premium. We will give you relief at source at the standard rate of income tax. Our premiums are published both net and gross of the standard rate of tax.

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