Using Aviva health insurance involves managing your treatments through their authorized medical pathways. When you require medical care, you typically contact Aviva first to pre-authorise your treatment, obtain a claim reference number, and verify that your chosen specialist or hospital is covered within their approved network. Once authorized, Aviva usually settles medical bills directly with the hospital or healthcare provider, minimizing out-of-pocket costs for inpatient, day-patient, or diagnostic services.
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