Overseas Treatment Plan

We’ve teamed up exclusively with Best Doctors® to offer Overseas Treatment Plan –an additional optional benefit available with qualifying Aviva policies - pensions, protection, savings and investments. Overseas Treatment Plan makes treatment abroad possible if you’re suffering from a covered cancer or neurology, as it will pay a pre-determined cash benefit amount.

When you add-on Overseas Treatment Plan to your qualifying Aviva policy, the Plan will also cover your children (or children of your spouse/ civil partner; up to the age of 21).

How Overseas Treatment Plan works

1. Investigate: On diagnosis of one of the covered illnesses requiring treatment, you have access to the expert Second Medical Opinion service offered by Best Doctors. 2. Choose: After reviewing the information, and if the condition is eligible, Best Doctors will recommend up to four treatment centres of excellence (with at least one of them being in the United States) and you choose where you would like to be treated. Best Doctors will help you make decisions and be available to answer any questions.
3. Arrange: Best Doctors arranges your hospital admission and coordinates and pays for travel and accommodation for you and a companion. If it’s your child needing treatment, then two companions can travel. 4.Treatment & Cash Payment: You receive treatment at your chosen hospital, and on your return home, we’ll pay a predetermined cash amount based on the number of days you spent being treated. See the section ‘What’s Covered?’ for details of the benefits payable. Also see the section ‘Exclusions’.

How much does it cost?

€12.50 monthly per life insured. Please note: The premium for Overseas Treatment Plan benefit is reviewable and may change (increase or decrease) on each anniversary of the start date.

Eligibility & Qualifying Conditions

  • You can only take out Overseas Treatment Plan with a qualifying Aviva policy. It can’t be taken out as a standalone policy and we’ll only cover you under one Overseas Treatment Plan. Like any Protection policy, Overseas Treatment Plan is subject to underwriting.
  • Minimum and Maximum age: For customers adding Overseas Treatment Plan to a Protection policy, applicants must have reached the minimum age and be under the maximum age which applies to their main Aviva Protection policy in order to apply for this plan. For Savings, Investment, Pension and current Aviva Protection customers: The minimum age to take out Overseas Treatment Plan is 19 next birthday and the maximum age is 60 next birthday.
  • Policyholders must be both tax resident and reside at an Irish address at the time they complete the application form and throughout the term of the policy.
  • The duration of a patient’s stay necessary for treatment as an in-patient in the nominated treatment centre must be a minimum of 48 consecutive hours (24 hours for follow-up treatment).
  • If the main qualifying Aviva policy is being taken out on a joint or dual-life basis, then each life assured will need to apply for- and pay the premium- for Overseas Treatment Plan separately. We’ll add the premium for Overseas Treatment Plan to the premium for your main policy.
  • The claimant must be fit to travel and hold valid travel documentation as required for travelling to the location of the nominated treatment centre.

What’s covered?

Overseas Treatment Plan provides the option of treatment abroad as it will pay a pre- determined daily cash amount - plus covered travel and accommodation expenses - in the event of diagnosis with a covered cancer or neurology. It helps give you and your children financial freedom to access high quality treatment in leading US and European hospitals.

Daily Benefit Amount

Once you or your child is eligible, you’ll be paid a daily benefit amount depending on the length of stay at the nominated treatment centre, for up to 60 days. The daily cash benefit is paid to you on your return home.

Table of benefits
Nominated treatment centre location United States   Europe

Number of days of overnight stay in nominated treatment centre

Day 1-7 Day 8-60 Day 1-7 Day 8-60
Amount of benefit €30,000 per day €100 per day €15,000 per day

€100 per day

Best Doctors will advise you in advance of travel of the likely cost of treatment in each of the recommended treatment centres. If the total cost of treatment is less than the daily benefit amount above, the surplus amount is yours to keep in this instance. In the event that the total cost of treatment is more than the daily benefit amount, it’s your responsibility to meet any outstanding payment due. Best Doctors will assist you in arranging direct payment to the hospital.

Subject to the minimum & maximum benefit duration:

If your stay at the nominated treatment centre is less than 48 consecutive hours (24 consecutive hours for follow up treatment), then the treatment isn’t covered under the policy and you’ll be liable for all costs including treatment, travel and expenses.

If your stay at the nominated treatment centre is more than 60 days, continued treatment is not covered under the policy and you’ll be liable for all costs including travel and expenses after 60 days have passed. In this instance, we will still cover your return home travel costs.

Medical conditions covered

Cancer treatment

Any malignant tumour positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells and invasion of tissue. The term malignant tumour includes leukaemia, sarcoma andlymphoma except cutaneous lymphoma (lymphoma confined to the skin).

For the above definition, the following are not covered:

  • All cancers which are histologically classified as any of the following: pre-malignant; non invasive; cancer in situ; having borderline malignancy; or having low malignant potential.
  • All tumours of the prostate unless histologically classified as having a Gleason score greater than 6 or having progressed to at least clinical TNM classification T2N0M0.
  • Chronic lymphocytic leukaemia unless histologically classified as having progressed to at least Binet Stage A.
  • Any skin cancer (including cutaneous lymphoma) other than malignant melanoma that has been histologically classified as having caused invasion beyond the epidermis (outer layer of skin).


Cover is provided for any surgical intervention including minimally or non-invasive techniques of:

  • the brain (or any other intracranial structures); or
  • benign tumours located in the spinal cord.

Travel & Accommodation expenses covered

Overseas Treatment Plan pays for economy class travel and 3-4 star accommodation costs for you and a companion. If it’s your child, or the child of your spouse/ civil partner who is ill these expenses will be paid for both parents (or a parent and companion).

Are the benefit amounts enough to pay for my treatment?

They're based on Best Doctors' experience as a medical services provider and expertise in the insurance sector. In the event the cost of the treatment is more than the daily cash benefit, Best Doctors will advise you if this, and your options. If this happens, then you will be responsible for paying any additional or outstanding charges due to the treatment centre. Conversely, if we pay your benefit entitlement, but the cost of your treatment is less than the amount of the daily cash benefit, the surplus amount is yours to keep. You might want to use the money to help you get back on your feet following treatment.

Pre-payment of cash benefit

Some treatment centres may look for an upfront payment on admission. If this is the case, we’ll make a pre-payment of the daily benefit amount directly to the treatment centre based on the minimum expected duration of stay with your authorisation. If the duration of the actual overnight stay extends beyond the duration covered by the pre-payment we’ll pay the balance of the benefit when you’ve returned home following discharge. If the prepayment is greater than the amount payable because the duration of the actual stay is less than the duration covered by the pre-payment, you’ll be obliged to refund the amount of this excess. Best Doctors will help with the administration of this process.

Follow-up treatments claims covered

You may have to return for follow-up treatment. Treatment in a treatment centre recommended by Best Doctors that relates to the same covered illness for which a claim has already been admitted could be covered under Overseas Treatment Plan. The minimum stay for any follow-up treatment is 24 consecutive hours. The daily benefit amount will be calculated taking account of the number of days for which payment has already been made. Travel and accommodation benefits are covered for up to two follow-up treatment journeys

Subsequent new claims covered

In the case of a subsequent claim the daily benefit amount is calculated taking account of the number of days for which payment has already been made under previous claims.

What this means in practice is that you can make as many claims under Overseas Treatment Plan as you need to – until you’ve used up the maximum 60 days treatment allocation. Within the first 60 days of treatment, we’ll always pay the daily benefit amounts outlined in the table of benefit amounts above. The minimum stay duration as an in-patient in the nominated treatment centre is 48 consecutive hours for each new claim.

Please see the Exclusions section below, and read the separate Overseas Treatment Plan Customer Guide.

Repatriation Expenses

If you or your child dies outside the Republic of Ireland while receiving treatment under Overseas Treatment Plan, the plan will pay for repatriation.

Making a claim under Overseas Treatment Plan

Everything begins with a phone call. Just contact Best Doctors on 1890 882 342 to start the process.

Claim requirements will include:

  • Proof of age
  • Proof of the duration of treatment
  • Written consent to access your medical records or reports or receive the results of any medical examinations or tests
  • Diagnosis by a consultant of a covered illness requiring treatment that’s medically necessary.

If the claim is confirmed as covered, Best Doctors will provide you with a list of up to four recommended world class treatment centres across the US and Europe for treatment of the covered illness of which at least one will be located in the United States.

Exclusions under Overseas Treatment Plan

Medical ExclusionsTravel & Accommodation Expenses ExcludedOther exclusions
  • Treatment of a pre-existing condition of a child where the symptoms first arose; the underlying condition was first diagnosed or either parent received medical advice in relation to the condition, before the earlier of the start date or the date of the order or other legal recognition in the State of legal adoption or legal guardianship of the child.
  • Experimental treatment or diagnostic,therapeutic and/or surgical procedures whose security and reliability have not been dulyscientifically proven.
  • The provision of medical treatment needed asa result of AIDS (acquired immune deficiencysyndrome), HIV (human immunodeficiency virus)or any condition arising from them (includingKaposi’s sarcoma), or any treatment for AIDSor HIV, with the exception of the HIV infection resulting from a blood transfusion, physical assault or an incident occurring during thecourse of performing duties of employment.
  • Any service that is not medically necessary for the treatment of a covered illness.
  • Any medical procedures in connection with cosmetic surgery.
  • Any travel costs other than travel from and to a Republic of Ireland address.
  • Any expense incurred before the issuance of the preliminary medical certificate.
  • Any accommodation and/or travel costs arranged and/or incurred by you or anyone else other than by Best Doctors.
  • The cost of any upgrade to accommodation or class of travel which the insured may choose or is required to avail of. For example, if you upgrade travel from economy to business class, you’ll be liable for the difference in cost between those two classes of travel.
  • Travel and accommodation costs in respect of follow-up treatment, where claims for two follow-up treatments have already been submitted.
  • Any expense following the expiry of the 60-day benefit period. However, the cost of your flight home following the expiry of the 60-day benefit period will still be paid under the plan.
  • Treatment in a hospital or medical facility other than in a treatment centre nominated and state by Best Doctors.
  • Claims made by a life insured that is not resident in the Republic of Ireland at the time of application or at the time claim notification.

Best Doctors provides an expert Second Medical Opinion service available at no extra cost with new qualifying policies taken out with Aviva. The service is available to your customer and certain family members. Aviva may withdraw this service at any time. If we withdraw the Best Doctors Second Medical Opinion service, we’ll write to notify policyholders at least 31 days in advance of the removal of the service. Best Doctors Second Medical Opinion is not a regulated financial service.

We reserve the right to cancel the Overseas Treatment Plan benefit if we’re no longer able to offer this product on commercial terms, resulting in us having to withdraw it. If this happens, we’ll continue to provide cover under the policy until the next anniversary of the start date, and write to notify policyholders at least 31 days in advance of the end of the policy year.

Best Doctors Second Medical Opinion is not a regulated financial service.

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