Knowing what is available can help you get more use from an existing policy. It can also help you ask informed questions when considering new cover.
Access to a digital GP
Aviva's DigiCare+ is one example. Its current service for eligible policies includes digital GP appointments available 24/7, subject to fair use. Prescription medicines can involve a charge, and it is not an emergency service.
A service being available around the clock is not a promise of an immediate appointment. Check booking arrangements and family eligibility when you register.
Another medical opinion
Some services arrange an additional specialist opinion on a diagnosis or treatment. The Exeter's HealthWise life-insurance material includes this type of support, alongside digital GP access and wellbeing services. Its services have their own conditions and allowances and may change or be withdrawn.
An opinion service and treatment insurance are different. Access to an expert does not automatically mean private treatment costs are paid.
Included does not always mean permanent
Some added services sit outside the insurance contract. Their availability can change even while the underlying policy remains in force. That is a reason to understand the distinction, not a reason to ignore them.
Also check charges. An app can provide access to several services without every service being free. A paid health check, a prescription charge and an optional insurance premium are different costs.
What about overseas treatment?
Aviva Global Treatment is a paid insurance option with selected protection products. It provides a defined overseas treatment pathway for specified serious conditions, including qualifying cancer treatment. It has its own eligibility, exclusions, financial limits and renewal arrangements. Treatment must follow the agreed process; you should not assume you can book care independently and recover the cost. It should not be treated as comprehensive private medical insurance.
A practical way to review your benefits
Find the exact policy name and start date. Ask which services apply to that version. Check who in your family can register, how appointments are booked, what usage limits apply and whether any costs are payable. Keep the access details with your policy records.
When considering new cover, ask us to explain the benefits relevant to the recommended policy. The aim is useful support alongside insurance that fits your financial needs.
Explore GP access, Global Treatment and Zurich Accelerate · Talk to an adviser