Aviva has added additional benefits and options to cover to its individual private health insurance cover, Healthier Solutions. The changes will take effect from 1 January 2013. Individual Healthier Solutions policyholders will be eligible for a £250 No Claim Discount (NCD), rather than the NCD being applied to the policy itself. This means that if one family member makes a claim, it doesnt affect the NCD of other members of the policy.