Included support services
Some eligible policies provide services without an additional insurance premium. Individual services can still involve charges, and non-contractual benefits may change or be withdrawn.
Additional benefits
Useful support, beyond the payout
Protection insurance starts with the financial cover you need. Some policies also offer health and wellbeing services, while optional paid benefits can open up further treatment choices.
24/7 digital GP access
Aviva DigiCare+ gives eligible policyholders access to digital GP appointments around the clock, subject to fair use. An appointment can help you discuss a health concern at a time that fits your day.
Access depends on the policy and service eligibility. Prescription medicines may involve a charge, and 24/7 access does not mean an immediate appointment is guaranteed. The service is not for emergencies.
Another view on a diagnosis
Some policies offer a second medical opinion on a diagnosis or treatment plan. For example, The Exeter’s HealthWise service includes this support for eligible life-insurance members.
We explain who can use the service and what consultation limits apply. A specialist opinion does not automatically mean private treatment will be funded.
Optional paid extra
Cancer treatment options overseas
Aviva Global Treatment is available with selected protection policies. It provides a defined overseas treatment pathway for specified serious conditions, including qualifying cancer treatment.
Its service partner coordinates the agreed treatment arrangements. Access is subject to the policy’s eligibility, exclusions, financial limits and renewal terms. Treatment must follow the agreed process; it is not a general promise to pay for care you arrange yourself.
This is a separate paid insurance option, not comprehensive private medical insurance.
Optional paid extra
Specialist support with Zurich Accelerate
Zurich Accelerate is available with eligible adviser-arranged Zurich Personal Protection and Income Protection policies.
Its services include virtual specialist consultations, private diagnostics, second medical opinions, precision cancer medicine, cancer clinical trial support and Global Treatment Plus.
These services address specified cancer, heart and neurological concerns, with different conditions applying to each. Access depends on the relevant service and policy terms; it does not guarantee a particular treatment, clinical trial place or outcome.
Support for everyday wellbeing
Depending on the policy, services may include mental wellbeing support, nutrition consultations or help with recovery. Family access, appointment allowances and charges vary.
We explain the benefits attached to the actual policy being considered, including how to register and use them.
What is included, and what costs extra?
Optional paid benefits
Some benefits cost extra and have their own eligibility, limits and terms. We consider their value alongside your main cover and budget.
Choose the cover first. Understand the extras.
We compare the policy’s core protection and explain relevant benefits as part of our recommendation. You do not need to work through the differences alone.