Here is the level of cover you will receive with 'we plan' Level 4. Remember you are fully covered for neuro-surgery, cancer, chemotherapy, radiotherapy, orthopaedic and cardiac treatments in the listed hospitals based on the level of cover you have chosen.

You also have full cover for most Irish medical consultants as the majority of them are fully participating with Aviva.

We've handy direct payment agreements with most of our hospitals which means you don't need to make a claim. For more details on the hospitals covered on your plan, please visit our health provider search.

On your 'we plan' Level 4 you're fully covered for hospital accommodation costs, consultant fees, diagnostic tests for cardiac care as well as procedures for treating heart conditions - including cardiac surgery, heart bypass, heart transplant, angioplasty, catheterisation, stenting, valve surgery and pacemakers. This includes full cover in high-tech hospitals for listed cardiac procedures.

For More Information on the great range of hospitals and treatment centres covered under your plan please visit the health provider search.

Following selected cardiac procedures, to help you recover, we will supply you with a home help assistant. We will contribute €100 a day to the cost of your home help for up to 3 days following a selected cardiac procedure. Your home help assistant will be supplied by an approved provider.

On your 'we plan' Level 4 you are covered for hospital costs, consultant fees, diagnostic tests, radiotherapy and chemotherapy for cancer care.

For More Information on the great range of hospitals and treatment centres covered under your plan please visit the health provider search.

Cancer Support Benefit

This benefit is payable to members for accommodation costs incurred when travelling to receive in patient or day case chemotherapy or radiotherapy. Aviva will contribute up to a maximum of €1500 per calendar year. Dated eligible receipts on headed paper will be necessary to avail of this benefit. The member must be the person receiving chemotherapy or radiotherapy, and must have travelled more than 50 Kilometres, each way, from home in order to receive treatment.

As well as great cover in Ireland you will also have cover for overseas treatment in two ways. If you're covered for a medically necessary surgical procedure in Ireland but for whatever reason want to have it carried out abroad...you can. We will be happy to cover you up to the amount that we would have paid for that procedure in Ireland.

We also offer you further peace-of-mind by providing cover for you overseas for new or emerging surgical procedures that are medically necessary for you but not available at this time in Ireland. The amount of cover is equal to the nearest equivalent procedure cost in Ireland.

Having a baby should be a wonderful experience and the last thing you will want to worry about is the financial cost. Our 'we plan' Level 4 offers a comprehensive range of maternity benefits, giving you great peace-of-mind including the following excellent benefits:

• You will be fully covered for 3 days in a public hospital or should you wish, you have the option of going to a private hospital where you will receive an allowance of €3,550
• Aviva will also pay a contribution for consultants' fees while you are in hospital. This includes consultant delivery fee, anaesthetist's fee for epidural, in patient pathologist fees and paediatric consultation for a normal delivery
• Alternatively, if you choose to have a home birth we'll cover medical expenses up to €3,550

Remember that you will be covered for your pre and post natal consultant and G.P. care up to €400 under the out patient cover - this is subject to the out patient excess.

Aviva welcomes your newborn with free cover until your next renewal. Just call us within 13 weeks of your baby's arrival for inclusion on your policy and no waiting or exclusion periods will apply.

Our brand new package of maternity benefits is simply unmatched. This fantastic range of exclusive benefits comes on top of what was already a superb maternity package. It’s this kind of forward thinking that marks us out as unique on the Irish market. Here’s a few different ways to help you take control:

• Cord blood stem cell preservation
• Post Natal Home Help
• Doula Services
• 4D Scans
• Breastfeeding Consultancy
• Partner Benefit
• Alternative & complementary practitioners
• Member Discounts

Cord blood stem cell preservation
As part of our ongoing commitment to delivering the latest advances and putting you firmly in control of your family’s health, Aviva is giving you a contribution towards the cost of this remarkable benefit:

*In addition, to comply with Irish Legislation, Maternal Blood tests are required within 30 days leading up to birth and a minimum of 6 months after at a total cost of €330, which is in addition to the above costs. This brings the total cost to €2,780 (single/identical twins) and €4,740 (non identical twins). Waiting periods apply to some maternity benefits.

For further information call Medicare Health & Living on 01 201 4900, email stemcell@medicare.ie or visit www.medicare.ie.

Post Natal Home Help
We know very well that it can be a hectic time following the birth of your child. Our innovative post natal home help service has been designed to give you as much time as possible to get back on your feet again. For 3 days following the birth of your baby, we will give you €100 per day towards the cost of a home help assistant who will take over the chores of cleaning and general housework. You and your baby can just settle back home and start getting to know each other! This is an alternative to Doula services. This benefit is subject to availability in your area. Where the service cannot be provided we will give you €120 to allow you to avail of this service from another provider.

Doula Services
Another innovative benefit from Aviva. A Doula is a birth assistant who brings additional support before, during and after childbirth. A Doula can provide, and help you find, information so that you can make informed decisions that are right for you in your situation. The total cost of the Doula Ireland Birthing package is €1,200 and Doula Ireland will offer Aviva members a €300 discount. This is an alternative to post-natal home help.

For more details on this service visit www.doulaireland.com (some services may not be available in all areas).

4D Scans
This highly advanced ultrasound technology allows you to experience the first images of your baby and get a glimpse of some of their very first movements in the womb!

Click here for more information on 4D scans

For Ultrasound Dimensions and InnerVision Ultrasound all you need to do is fill out a claim form on the day of your scan and send it and your receipt onto us. We’ll then send you a cheque for the relevant amount.

For Charter Medical Group simply show your Aviva health membership card to receive a discount.

For more details on this service visit Ultrasound Dimensions at www.ultrasounddimensions.ie

or InnerVision Ultrasound at www.innervision.ie

or Charter Medical Group at www.chartermedical.ie

Breastfeeding Consultancy
From talking with our female customers we know that even though many new mums choose to breastfeed, it’s not as easy as it seems and doesn’t always come naturally. You can claim up to €25 per session for up to 2 sessions with a breastfeeding consultant, who can provide invaluable practical advice and support on how to breastfeed successfully.

To find a breastfeeding consultant in your area visit www.alcireland.ie

or for More Information contact the Association of Lactation Consultants in Ireland at alci@iol.ie.

To claim all you need to do is call us to register your claim and send your receipts into us at the end of your policy year along with your membership details.

Partner Benefit
A new addition to the family can be a costly affair. Aviva helps you manage these expenses by giving you up to €50 per day for two days to help towards travel (including parking), accommodation and childcare costs. To claim all you need to do is call us to register your claim and send your receipts into us at the end of your policy year along with your membership details.

Alternative and complementary practitioners
And if you have day-to-day plans you can use your Osteopathy and Massage benefits for cranial osteopathy, baby massage to help baby ease into the world and herbal medicine to help you get back to your old self!

To find a registered osteopathic practitioner visit www.osteopathy.ie and

To find a certified baby massage instructor and classes in your area just visit www.babymassageireland.com.

You pay for your visit on the day and make sure to keep your receipt. All you need to do is send it onto us and we’ll send you a cheque for the relevant amount.

Member discounts
In a further effort to push down the financial costs of your new arrival, we’ve arranged a number of money saving discounts just for you. You'll need your Aviva health membership card, so don't forget to have it handy!

• U Mamma - 15% discount on all pre and post natal holistic treatments at U Mamma holistic sanctuary. Click here for more details on treatments. Please note: You will be asked to show your membership card upon payment.

Maternity Benefits – For your growing family
And don’t forget that members on 'we plan' have other family benefits too. On top of all your core and unique maternity benefits you can also avail of nurse-on-call, child home nursing and parent accompanying child grant and child day-to-day benefits.

To help you get back on your feet following the birth of your baby, Aviva will cover the cost of home help assistant who will take over the chores of cleaning and general housework for up to 3
days. To avail of this benefit, contact Aviva on 1890 717 717 within 18 weeks of giving birth. We will then put you in touch with an approved provider who we will pay directly.

If you this service is not available in your area Aviva will give you a total of €120 to enable you to avail of this benefit from an alternative provider.

Yet another pioneering benefit offered by Aviva to help you stay in control and enjoy an active and improved quality of life. Aviva has an exclusive arrangement with Asthma Care Ireland giving our members the choice to overcome their asthma naturally, safely and minus the side effects.

The Asthma Care Programme involves an 8 hour course, spread out over 3 weekly sessions. It mainly concerns a unique breathing technique known as the Buteyko Method. Treatment is available in a choice of 7 different locations nationwide - Dublin, Cork, Limerick, Galway, Sligo, Athlone and Kilkenny.

To claim just keep your receipt, fill out the claim form at Asthma Care Ireland and send both of these with your membership details to us at Aviva. We will send you a cheque once the claim has been processed. Remember to have your Aviva health membership card with you when booking.

Further information on may be found on www.asthmacare.ie or by free phoning 1800 931 935.

With 'we plan' Level 4 you will receive:

• Full cover for hospital care for up to 180 days per year - this includes St John of God Hospital, Stillorgan, Co. Dublin
• Cover for eating disorders such as bulimia and anorexia
• Cover for gambling addiction
• Cover for alcohol and substance abuse (91 days in patient over 5 years)
• Consultant psychiatrist care

These innovative benefits are available to everyone with a 'we plan', no matter what level you're on. If your child is a Aviva member and in hospital for more than 3 days at any one time, an allowance of up to €40 per day for up to 14 days can be claimed from Aviva.

This is to help you with accommodation or travel costs for the following 14 days while your child is in hospital.

Another amazing benefit for kids. Should your child need to convalesce at home after a stay in hospital exceeding 5 days you are entitled to a child home nursing allowance of up to €100 per day for up to 21 consecutive days.

We now cover a range of convalescent homes around the country, all registered with the Health Service Executive. Such a wide choice means you can choose the one most convenient to you.

For your convalescence after a stay in hospital, we will give you €75 per day for up to 16 consecutive days.

We will supply a post operative home help (POHH) assistant following a major surgery for all members on Levels 3, 4 & 5. Aviva will cover the cost of a domestic help from an approved provider for up to three days following selected long stay cardiac or special procedures which are on our list of POHH procedures. For details of the list, please call 1850 717 717.

This benefit is subject to availability in your area. Where the service cannot be provided, we will give you a total of €120 to enable you to avail of this benefit from an alternative provider.

To avail of this benefit, the member must be insured with Aviva at the time of receiving the treatment and covered for treatment for the selected cardiac or special procedure. The member must also be covered by Aviva at the time of receiving the service. Please obtain a letter from the treating consultant confirming the date(s) of treatment and the procedure code for the treatment provided and then contact us on 1890 717 717 within three weeks of release as an in patient, to arrange this service for you. We will pay the provider directly.

Please note: Your home must be accessible on a public transport route. Someone must be present in your home at all times when your home help assistant is in attendance.

View list of selected cardiac and special procedures

You'll have access to our dynamic and friendly team of qualified nurses by phone for non-emergency medical information - 24 hours a day, 365 days a year.

You can speak to our nurses on a wide range of issues such as children's health symptoms, drug interactions and pregnancy. You can discuss your family's symptoms and worries and you will receive comprehensive information to help you cope. Please remember that this is not an emergency service and will not provide diagnostic information or prescribe treatment.

Aviva offers the most comprehensive cover for scans available on the market - PET, MRI & CT (including virtual colonoscopies) and you're covered in full as an in patient for scans in our approved centres.

This wide choice for non-invasive scan treatments gives our members the freedom to choose a centre that is most convenient to them.

We've direct payment agreements with all of our approved scan centres which means you don't need to make a claim. For more details on the scan centres covered in your plan, please visit our health provider search.

Your 'we plan' level 4 covers you and your family for out patient costs. These are medical expenses that you pay for yourself when attending your consultant or hospital as an out patient when you're not actually undergoing a stay in hospital. They include cover for out patient consultant visits, radiology and pathology procedures.

*U Mamma therapies and classes qualify for the pre and post natal benefit scheme.

Another plus is the fact that the €250 out patient excess on the 'we plan' can be shared across the whole family, which means that you will receive a greater refund at the end of the year.

Remember to keep all of your out patient receipts and then claim at the end of your policy year. When you make the claim, we'll deduct the €250 excess and pay you the rest without delay.

Here is an example of how to calculate your excess.

Having discussed the treatments available to cancer sufferers with health care professionals we've identified another benefit we can offer. In recognition of the stress cancer treatment can cause, Aviva will now contribute €40 per visit towards the cost of 5 visits to a psycho-oncologist following chemotherapy to assist recovery.

This benefit will be available under our out patient benefits. As such it will be subject to the out patient excess.

The sessions must be conducted by a psychologist who is either a member of the Irish Association of Counselling and Psychotherapy or the Psychological Society of Ireland.

At Aviva we recognise the benefit of lymph drainage and the relief that it can bring to some cancer sufferers - in particular where there is a build-up of fluid following treatment. As part of our out patient benefits, we are now offering €40 per visit towards the cost of up to 5 visits when it is for treatment of the following conditions:

• Treatment and management of Lymphoedema and Oedema
• Compression Therapy - Multi-layered bandaging of the affected limb that follows each MLD session
• Remedial Exercise and Breathing solely related to the above
• The healing of wounds and burns
• Chronic inflammatory sinusitis

This benefit will be available under our out patient benefits. As such it will be subject to the out patient excess.

At Aviva we're very keen on health screening to help you take greater control of your own health. Knowledge is power and most health problems can be prevented with a little advanced knowledge. That is why we have developed some new benefits and a few different ways of letting you take control, depending on your needs:

• Online Health Check - a quick and simple way of getting a snapshot of your health, in particular your risk of heart disease and the actions you should take to stay healthy.
• EHA Health Screen - mostly based in GP practices, with in six locations nationwide giving our customers a wider choice around the country.
• Charter Medical Group - clinic based health screen.

Click here for more information on Health Screens

Cover for cervical cancer vaccination is now available from Aviva. Point Of Care Health Services provides Cervical Cancer Vaccinations to health members with Aviva at a discounted rate. For more information visit Cervical Cancer Vaccination
 

Another great benefit included in your plan is laser eye surgery. Optical Express is one of the leading technological innovators in the world offering both LASIK and LASEK treatments. 

Prices can vary depending on your suitability, requirements and preference. You will receive a discount on the total cost of your treatment with Aviva; just show your membership card.
Telephone: 1800 818 543. Website: www.opticalexpress.ie
 

Teeth Whitening

Your plan covers you for a variety of treatments at Smiles Clinics and Town Dental Clinics so you can choose whichever suits you best and get that beautiful white smile you’ve always wanted. For More Information on Smiles visit www.smiles.ie or www.towndental.ie Please see the table below for treatments covered:

There are no waiting periods so you can book in as soon as you join. To access this benefit simply book an appointment with one of the clinics below. Remember to bring your membership card to avail of your discount.

Smiles Clinics are located at:

• South Anne st, Dublin 2
• O’ Connell Street, Dublin 2
• Tallaght, Dublin 24
• Oliver Plunkett Street, Cork

To book call 1850 323 323 or E mail: mailto:appointments@smiles.ie

Town Dental Clinics are located at:

• 60 Fair Street, Drogheda
  Ph 041 9838617
• Selskar Court, Wexford
  Ph 053 9122008
• Slaney Medical Centre, Enniscorthy
  Ph 053 9236612

Please note: This benefit is only available for the treatments specified and through the provider specified.

Orthodontics

As a health member with Aviva you can now receive up to 20% back on the cost of orthodontic treatments at Smiles Orthodontics. This exclusive benefit is just another example of how Aviva is looking out for you. An attractive smile is just one of the benefits of orthodontic treatment.

For more information on orthodontics click here or visit www.smiles.ie

As part of our commitment to providing you with all of the benefits you need to maintain a healthy lifestyle, Aviva is delighted to be the first and only health insurer to offer you access to the Allen Carr Easyway to Stop Smoking programme.

Allen Carr's Easyway to Stop Smoking Clinics are held in a 5-hour group session with a fully qualified therapist. By the end of this session, you will have all the information you need to make a clean break from smoking.

Full cost of the session is €320 but Aviva health members only pay €250. You can book your session straight away - no waiting periods apply to this benefit.

To register for an Easyway session Locall 1890 379 929.

For More Information on the Easyway method log on to www.allencarr.ie where you will also be able to see upcoming dates for clinics in your area.

If you tend not to spend a lot on day-to-day medical costs, then this is the plan to consider.

We will give you back €30 for each of 3 visits per family member to the G.P., the dentist and the physiotherapist, as well as a contribution to a health screen, eye test and speech and language therapist. You are also covered for the wide range of day-to-day practitioners such as visits a dietitian if you or your kids need advice on nutrition.

Children qualify for all of the above benefits and they also have additional cover of €30 per visit for 3 child counselling sessions and 3 speech and language therapy sessions.

Our day-to-day a plan gives you money back on all of the following benefits:

To maximise the value you get from this plan, your family can pool your benefits, i.e. you can add together all your G.P. visits and they can be used by whoever in your family needs them. No excess applies to this cover. No extra benefits accrue for any free fourth and subsequent child.

day-to-day practitioners covered

• Acupuncturist
• Homeopath
• Physical Therapist
• Chiropodist
• Massage Therapist
• Podiatrist
• Chiropractor
• Occupational Therapist
• Reflexologist
• Dietitian
• Osteopath

How to claim for day-to-day medical expenses:

• Keep all your receipts for day-to-day medical expenses and call us at the end of your policy year to register your claim. Then send all your receipts to us and in return we will send you a cheque for all of the eligible treatments.

Annual adult day-to-day a premium: €164.00 with 'we plan'

Annual child/student premium: €81 with 'we plan'

If you tend to be more regular visitors to the surgery, then you should opt for this plan.

We'll give you back 50% of your costs. This means you get up to 50% off an extensive range of your day-to-day medical expenses such as G.P., dentist and physiotherapy visits - without any excess.

We will also give you up to 50% back on the cost of a health screen. And for the first time in the health insurance market, we will give you money back on prescriptions.

Another plus is that this plan gives you a contribution to some out patient benefits that you would normally have to pay an excess on, including consultant fees, radiology and pathology tests, and pre/post natal consultant visits.

Just keep all your receipts and claim at the end of your policy year.

Our day-to-day 50 plan gives you 50% back on all of the following benefits:

To maximise the value you can get from this plan, your family can pool your benefits, i.e., you can add together all your G.P., Physiotherapist and Dentist visits and they can be used by whoever in your family need them. No excess applies to this cover. No extra benefits accrue for any free fourth and subsequent child.

day-to-day practitioners covered

• Acupuncturist
• Homeopath
• Physical Therapist
• Chiropodist
• Massage Therapist
• Podiatrist
• Chiropractor
• Occupational Therapist
• Reflexologist
• Dietitian
• Osteopath

How to claim for day-to-day medical expenses:

• Keep all your receipts for day-to-day medical expenses and call us at the end of your policy year to register your claim. Then send all your receipts to us and in return we will send you a cheque for all of the eligible treatments.

Annual adult day-to-day 50 premium: €267.00 with 'we plan'

Annual child/student day-to-day 50 premium: €114 with 'we plan'

If you tend not to spend a lot on day-to-day medical costs, then this is the plan to consider.

We will give you back €30 for each of 3 visits per family member to the G.P., the dentist and the physiotherapist, as well as a contribution to a health screen, eye test and speech and language therapist. You are also covered for the wide range of day-to-day practitioners such as visits a dietitian if you or your kids need advice on nutrition.

Children qualify for all of the above benefits and they also have additional cover of €30 per visit for 3 child counselling sessions and 3 speech and language therapy sessions.

Our day-to-day a plan gives you money back on all of the following benefits:
 

To maximise the value you get from this plan, your family can pool your benefits, i.e. you can add together all your G.P. visits and they can be used by whoever in your family needs them. No excess applies to this cover. No extra benefits accrue for any free fourth and subsequent child.
 

day-to-day practitioners covered
 

• Acupuncturist
• Homeopath
• Physical Therapist
• Chiropodist
• Massage Therapist
• Podiatrist
• Chiropractor
• Occupational Therapist
• Reflexologist
• Dietitian
• Osteopath
   

How to claim for day-to-day medical expenses:
 

• Keep all your receipts for day-to-day medical expenses and call us at the end of your policy year to register your claim. Then send all your receipts to us and in return we will send you a cheque for all of the eligible treatments.
   

Annual adult day-to-day a premium: €144.00 with 'we plan'

Annual child/student premium: €71.00 with 'we plan'

Prices are net of tax relief at the standard rate and include 10% discount. Prices are correct at time of publication May 2010.

If you tend to be more regular visitors to the surgery, then you should opt for this plan.

We'll give you back 50% of your costs. This means you get up to 50% off an extensive range of your day-to-day medical expenses such as G.P., dentist and physiotherapy visits - without any excess.

We will also give you up to 50% back on the cost of a health screen. And for the first time in the health insurance market, we will give you money back on prescriptions.

Another plus is that this plan gives you a contribution to some out patient benefits that you would normally have to pay an excess on, including consultant fees, radiology and pathology tests, and pre/post natal consultant visits.

Just keep all your receipts and claim at the end of your policy year.

Our day-to-day 50 plan gives you 50% back on all of the following benefits:
 

To maximise the value you can get from this plan, your family can pool your benefits, i.e., you can add together all your G.P., Physiotherapist and Dentist visits and they can be used by whoever in your family need them. No excess applies to this cover. No extra benefits accrue for any free fourth and subsequent child.
 

day-to-day practitioners covered

 

• Acupuncturist
• Homeopath
• Physical Therapist
• Chiropodist
• Massage Therapist
• Podiatrist
• Chiropractor
• Occupational Therapist
• Reflexologist
• Dietitian
• Osteopath
   

How to claim for day-to-day medical expenses:

 

• Keep all your receipts for day-to-day medical expenses and call us at the end of your policy year to register your claim. Then send all your receipts to us and in return we will send you a cheque for all of the eligible treatments.

Annual adult day-to-day 50 premium: €234.00 with 'we plan'

Annual child/student day-to-day 50 premium: €100.00 with 'we plan'

 

Prices are net of tax relief at the standard rate and include 10% discount. Prices are correct at time of publication May 2010.