Health Insurance from AIG

AIG or American International Group is the trading name of UNAT direct and have been in the UK for over 50 years. Here’s our review of their health and life insurance cover plans.

This company offers AIG direct which is insurance cover for life and health for men and women and they offer several programs targeted at each segment as follows:

  • health choice
  • well woman
  • personal accident insurance
  • over 50s insurance
  • and general insurance for homes etc

Healthchoice cover plan

With their healthchoice cover plan this covers you like most health insurance for private treatment and diagnosis which you can have at either NHS or other private hospitals including BMI healthcare. With the basic plan you also get access to a 24/7 helpline. The basic cover is as follows:

  • Outpatient consultations – £300 (maximum payout per claim)
  • Diagnostic tests – £400
  • Scans incl. PET, MRI and CT – £1,500
  • Pre operative tests – £300
  • Surgery and hospital costs – 100% cover *
  • All fees and charges whilst in hospital – 100% cover *
  • Follow up physiotheraphy sessions – £570 up to 8 sesssions
  • Cash benefit if staying in hospital following an accident – £50/ night up to 90 nights

* you can choose for BMI healthcare, private care, NHS or overseas treatments and all benefits are payable after 90 days

WellWoman Health Insurance

This policy is geared towards women to help them if they get diagnosed with cancer and pays out a fixed sum. Everyone from aged 18-69 in the UK will be accepted without a medical so long as they have never had cancer before.

It pays out a lump sum of £25,000 on the standard plan and £50,000 on the premier cover and you can spend the money as you wish. 7 types of cancer are covered but these only account for the cancers in 40% of women in the UK so you may want to search for something less restrictive if you are thinking of covering yourself against cancer.

List of BMI Hospitals

Here’s the entire list of private hospitals offered by BMI

  • Albyn Hospital, Aberdeen, Aberdeenshire
  • The Alexandra Hospital, Cheadle, Cheshire
  • Bath Clinic, Bath, Somerset
  • The Beardwood Hospital, Blackburn, Lancashire
  • The Beaumont Hospital, Bolton, Lancashire
  • Bishops Wood Hospital, Northwood, Middlesex
  • The Blackheath Hospital, London, Greater London
  • Brighton Consulting Rooms, Brighton, West Sussex
  • Bushey Consulting Rooms, Bushey, Herts
  • The Castle Consulting Centre, Nottingham, Nottinghamshire
  • The Cavell Hospital, Enfield, London, Middlesex
  • Chatsworth Suite, Chesterfield, Derbyshire
  • The Chaucer Hospital, Canterbury, Kent
  • Chelsfield Park Hospital, Orpington, Kent
  • The Chiltern Hospital, Great Missenden, Buckinghamshire
  • City Medical, London, London
  • The Clementine Churchill Hospital, Harrow, Middlesex
  • Coombe Wing, Kingston upon Thames, Surrey
  • The Droitwich Spa Hospital, Droitwich Spa, Worcester, Worcestershire
  • The Duchy Hospital, Harrogate, Yorkshire
  • The Edgbaston Hospital, Birmingham, West Midlands
  • The Esperance Hospital, Eastbourne, East Sussex
  • Fawkham Manor Hospital, Longfield, Kent
  • Fernbrae Hospital, Dundee, Angus & Dundee
  • Fitzroy Square Hospital, London, London
  • The Foscote Hospital, Banbury, Oxfordshire
  • The Garden Hospital, Hendon, London
  • Goring Hall Hospital, Goring By Sea, West Sussex
  • The Hampshire Clinic, Basingstoke, Hampshire
  • The Harbour Hospital, Poole, Dorset
  • The Highfield Hospital, Rochdale, Lancashire
  • The Huddersfield Hospital, Huddersfield, West Yorkshire
  • The Kings Oak Hospital, Enfield, London, Middlesex
  • The Lancaster Hospital, Lancaster, Lancashire
  • The Lincoln Hospital, Lincoln, Lincolnshire
  • The London Independent Hospital, London, Greater London
  • The Manchester Lifestyle Hospital, Manchester, Greater Manchester
  • The Manor Hospital, Bedford, Bedfordshire
  • Marylebone Consulting Rooms, London, London
  • McIndoe Surgical Centre, East Grinstead, West Sussex
  • The Meriden Hospital, Coventry, Warwickshire
  • Mount Alvernia Hospital, Guildford, Surrey
  • The Oxford Clinic, Oxford, Oxfordshire
  • The Paddocks Clinic, Princes Risborough, Buckinghamshire
  • The Park Hospital, Nottingham, Nottinghamshire
  • The Princess Margaret Hospital, Windsor, Berkshire
  • The Priory Hospital, Birmingham, West Midlands
  • The Ridgeway Hospital, Swindon, Wiltshire
  • Ross Hall Hospital, Glasgow, City of Glasgow
  • The Runnymede Hospital, Chertsey, Surrey
  • The Sandringham Hospital, Kings Lynn, Norfolk
  • Sarum Road Hospital, Winchester, Hampshire
  • The Saxon Clinic, Milton Keynes, Buckinghamshire
  • The Shelburne Hospital, High Wycombe, Bucks
  • Shirley Oaks Hospital, Croydon, Surrey
  • The Sloane Hospital, Beckenham, Kent
  • The Somerfield Hospital, Maidstone, Kent
  • The South Cheshire Private Hospital, Crewe, Cheshire
  • St Edmunds Hospital, Bury St Edmunds, Suffolk
  • Thornbury Hospital, Sheffield, South Yorkshire
  • Three Shires Hospital, Northampton, Northamptonshire
  • Werndale Hospital, Carmarthen, Carmarthenshire
  • The Wiltshire Clinic, Swindon, Wiltshire
  • The Winterbourne Hospital, Dorchester, Dorset
  • Woodlands Hospital, Darlington, County Durham

 Claims procedure

The claims procedure is slightly different from other providers which you may want to consider. If you choose to have treatments at BMI hospitals then all invoicing is handled by AIG. There are over 60 private BMI hospitals in the UK so you should be able to find one.

However, if you choose to have treatment at a private hospital other than BMI then you’ll have to get and send all the paperwork into AIG for them to settle. This can cause stress especially after an operation.

If you choose to have treatment at NHS hospitals then AIG will reimburse the cost of the procedure if you would have had it at a BMI hospital.

So that’s a summary of the AIG health insurance that this company offers.