How to use your Aviva plan

Joining Aviva

To join the plan you must be a resident of Ireland. The contract relating to your membership of your Aviva plan will last until the renewal date specified on your membership certificate. As soon as we receive the first payment relating to your membership, you will be covered from the commencement date under your 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 the policyholder is the only person who is allowed to make changes to your plan, unless the policyholder has told us that a 3rd party has power to act on the policyholder’s behalf. If the policyholder wishes to change your plan, add or remove dependants and has the authority to change your plan, the policyholder may do so by notifying us in advance and we will then amend your plan as appropriate. Please note that where you are a member of a group scheme and your membership is sponsored by or paid for by an employer, professional body or other entity you will have to pay for any additional cover not agreed to by such a group scheme sponsor.

You can make changes by logging onto 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 that is required is for the payment of the premium to be continued. The cover provided under the plan and the premiums requested may change from time to time. If this happens, we will let the policyholder know in advance. The premium will only change on the renewal date. Where continued cover is required and payment of the premium is arranged by direct debit or through salary deduction or where a group scheme sponsor pays the premium, no further action is required by you. Where payment of the premium is effected by direct debit, we will collect payment on a monthly basis from the nominated bank account at the then current premium rate.

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Cancelling your plan

Your plan may be cancelled by you (or, where circumstances permit, by a group scheme sponsor) upon the provision to us of notice 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 only (i) out-patient; or (ii) day-to-day claims have been made on your plan, we shall arrange as appropriate for the refund of any unspent premium, on a pro rata basis from the date on which cancellation of your plan becomes effective, so long as a sum in excess of ten euro exists to be refunded. In addition, early cancellation will result in eligible out-patient and day-to-day claims only being reimbursed on a pro rata basis, up to the day of cancellation and the full policy excess will apply.

We reserve the right to terminate unilaterally cover under your plan in certain circumstances as outlined in the Terms and Conditions section of this website. We may cancel this policy by giving the policyholder at least 14 days notice in writing at the policyholders know address.

Paying your premiums

In order to ensure that you are fully covered as a member at all times, premiums must be paid in advance in accordance to the payment method agreed with us. Payment must be made in accordance with Aviva conditions or they may not be accepted. All payments must be made in euro or must be either by direct debit, laser card, credit card, cheque or salary deduction. Credit card and laser card payments will only be accepted in three circumstances:

(a) as a deposit on the first premium;
(b) if the monthly premium is late and we have informed the policyholder of such; or
(c) to pay the yearly premium in advance

If premium payment is not made annually, the first payment in any policy year may be slightly more or less than the subsequent payment as a result of rounding. Aviva premiums may vary from time to time. Should there be a change in premium, the policyholder will be notified in advance of the next renewal date.  If the premium is not paid on time, this policy shall terminate with effect from the date the first missed payment was due and not received. Where applicable, income tax relief will be available on premiums paid by you and we will arrange to give 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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