Health Insurance Policy FAQ's

What do I need to do to join?

Call us on 1890 30 20 20 and we will take all of your details over the phone, including your payment details. There is no need to complete any paperwork, and we have the unique advantage of a paperless direct debit. Everything can be completed in one call.

Are you a regulated company?

The private health insurance market is highly regulated and there are many strict rules of entry to protect the consumer. Aviva is regulated by both Central Bank of Ireland and the Health Insurance Authority. 

How can I claim my tax back if I purchase a plan from you?

Tax is deducted at source so you do not have to go to the trouble of claiming back tax relief from the Revenue Commissioners.

What is an excess?

An excess is the amount of money that we deduct from your claim once we have calculated the benefit that you are due back.The individual excess is €150 and the family excess is €250.

How can I transfer from my current insurer to Aviva?

You can sign up right now for Aviva health cover through Chill Insurance. If you pay by direct debit, you should contact your bank requesting a cancellation of your direct debit. If you are not paying by direct debit, contact your insurer and tell them you would like to cancel your existing policy.

How can I pay?

You can pay by monthly direct debit, annual credit/debit card over the phone, or cheque.

What is your definition of a student?

A student is someone insured on your policy between the ages of 18 and 23 as of the renewal date and who is in full time education.

What type of cover do you have for children?

Aviva have innovative benefits built into the family plan for children. For members on Level 2 or higher, children go onto the same level of cover as the policyholder at no extra cost. Tiered pricing is also in place, so your second and third children are cheaper and the fourth and subsequent child is free. In addition, the 'we plan' contains a number of children's benefits.

Do I have to wait until my renewal date to upgrade my plan?

No, you can upgrade your plan at any time. Our Customer Service team will be happy to give you advice on which plan would be most appropriate for you. Please note that a waiting period may apply to the upgrade in cover.

Can you send me out a claim form?

We can send you an in patient or international claim form. However, we do not have a claim form for out patient or day-to-day claims. To make it easier for you we will register your claim easily over the phone and then forward your receipts. You no longer need to go to the trouble of obtaining, filling out and posting back your claim form.

What is 'Nurse on Call''?

As a member of Aviva through Chill Insurance you have access to a team of qualified medical nurses for non-emergency medical information - 24 hours a day, 365 days of the year. You can receive information on a wide range of lifestyle issues, such as nutrition, first aid, pregnancy, allergies, children's health and much more.

What are waiting and exclusion periods?

If you have been a member of another Irish health insurance company, you may have already completed your waiting periods. In that case, and assuming that you have not had a break in cover of over 13 weeks, you will have immediate cover from Aviva when you transfer.

Waiting periods will apply to any new Aviva member who:

1. Has never been insured before
2. Is still subject to a waiting period with another health insurer
3. Had a contract with a health insurer that has lapsed more than 13 weeks before joining Hibernian Aviva Health

Remember that the waiting periods only apply if you are a first-time health insurance buyer, or have had a lapse in cover before joining Aviva.

If you are upgrading your cover you will have to wait 2 years to access enhanced benefits in relation to a medical condition which you have at the time when you upgrade (5 years if you are over 65 years of age when you upgrade). In the case of maternity benefits, you will have to wait 1 year to access enhanced benefits.