Added value benefit · Aviva
Aviva Global Treatment explained
Aviva Global Treatment is an optional extra on some Aviva protection plans. If you or your child needs treatment for one of six serious conditions, it pays for that treatment abroad and arranges the travel.
In short
Global Treatment pays for treatment at a hospital abroad for six serious conditions. Aviva’s partner Further finds the options, books the hospital, travel and hotel, and pays a daily allowance. It works alongside NHS care, not instead of it.
What Aviva Global Treatment is
After a serious diagnosis, the best specialist for your condition may not be in the UK. Global Treatment gives you that option.
Aviva runs it with Further, a specialist medical support provider. Further handles the organising, so you can focus on getting well.
It can only be chosen when your plan starts, for an additional fee. It renews every three years, when the fee may change.
How a claim works
- Call FurtherAfter diagnosis, you call Further and send your medical records. A case manager is assigned to you.
- See your optionsFurther’s medical team identifies the best hospitals abroad for your condition.
- Choose where to goYou choose the treatment and the location that suit you.
- Travel is arrangedEconomy travel and 3 to 4 star accommodation for you and a companion are booked and paid for.
- Get treatedYou are treated at the hospital you chose. Your companion gets £100 a day towards food, drink and transport.
- Come homeIf the NHS will not fund ongoing medication, it is covered up to £50,000 over the plan.
The six conditions covered
Global Treatment covers six conditions: cancer treatment, coronary artery bypass surgery, heart valve replacement or repair, neurosurgery, live-donor organ transplants and bone marrow transplants.
Aviva’s Key Features Document has the full definitions, limits and exclusions for each one.
How much Aviva will pay
Aviva will pay up to £1 million a year for each person covered, and up to £2 million over the life of the plan.
While you are treated abroad, the person travelling with you gets £100 a day towards food, drink and transport, for up to 60 days per claim.
When you come home, if the NHS will not pay for your ongoing medicine, Aviva covers it up to £50,000 over the plan. That applies after a hospital stay abroad of three nights or more.
You can add Global Treatment up to age 74, and it lasts until age 84. It is an additional fee on top of your premium, reviewed every three years.
The small print
- You can only add it when the plan starts. You cannot add it later.
- If you cancel it, you can do so from 6 months after the start date. You cannot add it back.
- You cannot have it on two Aviva plans at once.
- You must live in the UK, Channel Islands, Isle of Man or Gibraltar.
- The additional fee can change every three years when the cover renews.
Aviva’s own documents
These are Aviva’s customer documents, checked as the latest versions in October 2026. They are the final word on what is and is not covered.
Questions people ask about Aviva Global Treatment
What is Aviva Global Treatment?
An optional extra on Aviva Life Insurance+, Critical Illness+ and Income Protection+ plans. It pays for treatment abroad for six serious conditions, with travel and accommodation arranged by Aviva’s partner Further.
Which conditions are covered?
Cancer treatment, coronary artery bypass surgery, heart valve replacement or repair, neurosurgery, live-donor organ transplants and bone marrow transplants.
Does it cost extra?
Yes. Global Treatment is an additional fee on top of your Aviva premium. The cover renews every three years, and the fee may change then. Ask us for a quote with and without it.
Can I add it later?
No. It can only be chosen when the plan starts.
Are my children covered?
Yes. Children are covered from birth to age 18, or 21 if they are in full-time education.
How much will it pay?
Up to £1 million a year and £2 million over the plan, per person covered.
Does it replace NHS treatment?
No. It works alongside NHS and private UK treatment and gives you another option.
Other added value benefits
Each insurer adds different extras. They can tip the choice between two policies that cost about the same.
Zurich AccelerateFaster specialist help for cancer, heart and neurological conditions.Read the guide
Vitality rewardsPoints for staying active, with rewards and a premium linked to them.Read the guide
Royal London Helping HandVirtual GP, mental health and physio apps, plus a nurse when life gets hard.Read the guide
L&G Wellbeing SupportNurse-led support included with Legal & General protection plans.Read the guide
Want to know if Global Treatment is worth adding?
We price Aviva with and without it, and against other insurers. Then you decide with the real numbers in front of you.
We are not Aviva. This page is based on Aviva’s published adviser guide and customer leaflet. Always check Aviva’s Key Features Document for the full terms, limits and exclusions.