Aviva 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 at says, “While own occupation terms have been offered to dental surgeons for some time, we are seeing an increased interest 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.”
Aviva has recently introduced an innovative discount for customers with an exclusion (including partial) for mental health and/or spinal conditions, on an Income Protection Solutions policy.