Aviva own occupation definition to medical profession

Aviva has announced that it has reviewed its medical underwriting approach for medical professionals and now offers an "own occupation" definition for surgeons who perform surgical procedures and operations. Previously "the suited definition" was offered.

Kevin Murdoch, Senior Proposition Development Manager, Aviva, UK Health said: "Aviva is committed to ensuring that Income Protection Solutions remains highly competitive and while own occupation terms have been offered to dental surgeons for some time, we are seeing an increased interest from intermediaries to offer other surgeons the option to protect their income based on their ability to perform their own role.

"In response to this we now offer the choice of either the suited definition, with its associated cost savings, or own occupation, enabling medical professionals to choose the level of cover that suits their own personal needs."

This improvement follows Aviva's recent announcement that they were introducing an innovative discount for customers with an exclusion (including partial) for mental health and/or spinal conditions. Aviva customers taking out an Income Protection Solutions policy also benefit from temporary accident cover, offering them up to 90 days' free accident cover whilst the policy is being underwritten.

Launched in 2009, Income Protection Solutions' flexible structure, generous benefits and competitive price make it one of the most appealing products in the market. The new improved underwriting terms further improve the product and offer increased choice for both intermediaries and their clients.