Aviva overhauls international PMI package

In a statement to the London Stock Exchange, Aviva said there will now be enhanced cover for group policyholders with employees based in the Gulf, as well as for those receiving cancer treatment and those undergoing organ transplants.

Cover for complications arising from pregnancy and congenital diseases will also be offered as standard, and there will be better provision for routine medical needs, with a maximum of 20 consultations a year allowed in the new policy.

Policyholders can also add extra cover to their existing policy for maternity and dental needs. Additionally, ‘bolt-on’ cover for emergency repatriation is available.

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Advisers have previously expressed doubts about the viability of comprehensive private medical insurance for employees with serious health issues. Kevin Gates, principal of Middlesex-based Gates Financial Services, said: “I think expatriates should think twice before relocating abroad if they have a long-term condition. Companies will only be willing to pay for employees to get their health problems fixed so they can go back to work.”