Up against a brick wall

Staggeringly difficult to make a claim. If you were not feeling well, you would give up within ten minutes, which I can only imagine is what their `goalkeepers` who answer the phone are trying to achieve. I would not recommend this company to any one.... Read more

Staggeringly difficult to make a claim. If you were not feeling well, you would give up within ten minutes, which I can only imagine is what their `goalkeepers` who answer the phone are trying to achieve. I would not recommend this company to any one. Absolutely dreadful. This is a zero star (you have to give a minimum of one apparently - they are not worth one star) review.

Reviewed on 27th May 2021

Jonathan Chapman

Company seeking loopholes to avoid claim

Five months ago I bought health insurance. Under my policy, I cannot claim for anything I suffered within the two years prior to the start of the policy. I understand that. I accept that. It also says that if the issue can be treated by the NHS within... Read more

Five months ago I bought health insurance. Under my policy, I cannot claim for anything I suffered within the two years prior to the start of the policy. I understand that. I accept that. It also says that if the issue can be treated by the NHS within six weeks they would not pay the claim. I understand that. I accept that.

A painful medical issue has arisen which satisfies all criteria and for which I require private treatment. I called to enquire about the process as I have not used the insurance before.

I was put on hold for a long time. Eventually, the lady returned to recite all the clauses of my contract and also to says that even though this occurred AFTER I bought the policy and I am now seeking treatment FIVE MONTHS after the purchase of the policy the first symptoms occurred TOO CLOSE after the purchase date.

Therefore, they need to do a full investigation. They need to requisition complete medical history and get it assessed before making a decision. This was not the question I put to them but this is what they wanted to say anyway.

It's a time-consuming process and I am in pain. I want this solved right now not six weeks from today. The reason I bought medical insurance was to access a fast health care as Covid-19 was hogging the show.

The treatment is only a couple hundred pounds. If they treat me this way, for a couple hundred pounds, what would happen if it were thousands of pounds?

The way this came over was that they were looking for the slimmest loophole to avoid a pay-out. This was my first time and first impressions count. The amount of money that I have paid in premiums in the last five months together with the excesses on the policy, it is worth my while to go to a private doctor, dentist and optician, pay their fully fees and the total cost will be a fraction of the cost of the premium.

Needless to say, the policy has been cancelled and shame on me for falling under the spell of their sales pitch.

I want an insurance that will work for me, not the other way around. Aviva is not it.

Reviewed on 22nd April 2021

WTerryA

Terrible service on the phone. . Disgraceful.

Long winded way to get to see a specialist taking up to 2 weeks for them to deal with even the initial enquiry. Disgraceful. I shall be meaning this company ASAP

Reviewed on 8th April 2021

Gill harfield

Medical insurance

Don’t touch this company they are an utter con........., they don’t pay out at all. My daughter took pcos and said because she had acne teenager and fatigue it was a symptom. They also get you to fill in forms which Your gp take a fee. It’s an utter... Read more

Don’t touch this company they are an utter con........., they don’t pay out at all. My daughter took pcos and said because she had acne teenager and fatigue it was a symptom. They also get you to fill in forms which Your gp take a fee. It’s an utter disgrace I don’t ever recommend them and will tell everyone happy to take your money but nt pay you out. Don’t use them!!!!!!

Reviewed on 20th March 2021

Leeann

What a con!

Tip 1. when you go to the Doctor and they ask how long have you had the symptoms just reply "on the way in". Went to Doctors with pulled shoulder blade muscle from golf. 18 months later had to go with different symptoms and pain in top shoulder joint... Read more

Tip 1. when you go to the Doctor and they ask how long have you had the symptoms just reply "on the way in". Went to Doctors with pulled shoulder blade muscle from golf. 18 months later had to go with different symptoms and pain in top shoulder joint (not muscle strain). Turns out I need an operation which is NOT covered because I had complained of pain previosuly! Total crap service and 14 months of pain. Paid for the op myself and would cancel my companys health insurance if it wasnt for the other staff I have on it.

Reviewed on 15th January 2021

Mark Henderson

Simply awful service

Bought my company’s private medical insurance from Aviva on advice of broker against web advice to go for the No.1 provider AXA. Turns out that if you have something as simple as a bruise or a pulled muscle (in my case) in apart of the body you are a... Read more

Bought my company’s private medical insurance from Aviva on advice of broker against web advice to go for the No.1 provider AXA. Turns out that if you have something as simple as a bruise or a pulled muscle (in my case) in apart of the body you are automatically excluded from any claim for absolutely anything for two years from policy start. So, if you pull a muscle in January one year and then have pain in the shoulder due to bone cancer the following year you are not covered. Better still notes made by non medically qualified personnel are treated as if a Doctor had written them! MY strong advice is this:

1. When booking your Dr’s appointment just say you are ill with no mention of what is wrong or with what. Also only book a week or two before expected appt.
2. Do not say how long you have had the symptoms or indeed what they are but just say it started just before you walked in.
3. Do not mention or comment on any of your medical history.
4. Always request access to your medical records so you can see what is written about you.
5. Make sure if they diagnose something you are given the proper investigative procedure (X-ray, MRI, blood test etc). This will determine exact issue and if you then have another different issue some time later it should be treated as a separate claim.

6. Choose another private medical insurer.

Reviewed on 1st January 2021

Mr C Rapaviva

Con artists

I was with bupa for over 15years through my works health insurance and not a problem even when my wife developed a condition that needed lots of treatment bupa were fantastic, then the company changed providers and whent with aviva that's when it all... Read more

I was with bupa for over 15years through my works health insurance and not a problem even when my wife developed a condition that needed lots of treatment bupa were fantastic, then the company changed providers and whent with aviva that's when it all changed, aviva say they won't cover treatment if that treatment doesn't cure the condition permanently, they fail to mention this beforehand, absolute con artists,

Reviewed on 1st September 2020

Paul gallagher

Aviva health

I highly recommend health insurance with Aviva. I've sorted everything in a few minutes! Easy access to website and helpful phone advisors.

Reviewed on 31st August 2020

Anna Helena Kosiorek

Longstanding

Always felt happy dealing with Aviva

Reviewed on 25th August 2020

Gary Tetlow

Speedy Diagnostic that excludes diagnostic

So, you buy this insurance thinking that you pay a little extra to avoid long waiting lists in this pandemic in case you need diagnostics whether anything is wrong - it's in the name - Speedy diagnostic, skip queues... Read more

So, you buy this insurance thinking that you pay a little extra to avoid long waiting lists in this pandemic in case you need diagnostics whether anything is wrong - it's in the name - Speedy diagnostic, skip queues etc.
But once you need diagnosing (ultrasound is means to diagnose something afaik), then it isn't included, so essentially you have to join NHS queues to have it done. Of course they say it's in the term and condition however I failed to find where. Complete and utter waste of money!

Reviewed on 10th August 2020

Dre

Rip off on child's health insurance premiums.

I bought health insurance policy for my kid when he was not even 2 y.o. - I was an older mother, he started having bad colds when starting nursery - so I bought for the peace of mind. 5 years on, not a single claim - the premium is up almost twice. I... Read more

I bought health insurance policy for my kid when he was not even 2 y.o. - I was an older mother, he started having bad colds when starting nursery - so I bought for the peace of mind. 5 years on, not a single claim - the premium is up almost twice. I tried to talk to them about it last year, wondering what happened to "no claim bonus" - no result, the agent was absolutely dreadful. Avoid this company, try something different for the sake of your money, or just set money aside as your emergency fund.

Reviewed on 5th August 2020

Katya

Pointless

We took this out for entire family. Every time we wanted to go private they had a reason why we couldn’t, even though when we bought the policy they were reassuring us it would be used for anything other than pre existing conditions. It was such hard w... Read more

We took this out for entire family. Every time we wanted to go private they had a reason why we couldn’t, even though when we bought the policy they were reassuring us it would be used for anything other than pre existing conditions. It was such hard work getting any treatment/ appointments through them it was easier just to wait for nHs appointments

Reviewed on 15th July 2020

Charlotte

Bespoke policy especially for C.I. residents, unbeatable value providing essential peace of mind.

Been with Aviva's Channel Island policy for some years now and find it second to none.

Reviewed on 14th July 2020

Kenny1350

Disappointed

from initial contact to claim to the decision took over 3 weeks. They declined my claim despite never having my current complaint before. This company is not a company to do business with. I have today cancelled my account with them. To make matters... Read more

from initial contact to claim to the decision took over 3 weeks. They declined my claim despite never having my current complaint before. This company is not a company to do business with. I have today cancelled my account with them. To make matters worse this was my first claim. Dont be fooled by what they tell you to get your money. Stay well clear. You have been warned.

Reviewed on 24th June 2020

Rob Fryer

Avoid at all costs

10 years a customer, never claimed once, pay over 100 monthly. During pandemic i call only to be told I cannot see a GP.... Read more

10 years a customer, never claimed once, pay over 100 monthly. During pandemic i call only to be told I cannot see a GP.

Soon after i want to cancel then they start dragging their feet until i become confrontational.

There are some experiences we shouldn't go through in life, this is one expensive experience. I am here to advise people to avoid such experiences as it never ends in your favour

Reviewed on 21st May 2020

Gboyega Odunaiya

Don't waste your time or money

I paid up to this service through my company healthcare. It has been the case of endless calls and emails; endless assurances that they will set up my account.... Read more

I paid up to this service through my company healthcare. It has been the case of endless calls and emails; endless assurances that they will set up my account.
Beyond being frustrating, Aviva have proven themselves incompetent and incapable of even setting up customers who have paid for the service.
Right now, over a month has passed by and I have no access to this 'benefit'. I've used other private health providers for most of my adult life. Aviva is by far the WORST.
Avoid at all costs.

Reviewed on 10th April 2020

Disappointed Corporate Customer

NEVER, NEVER, NEVER USE THESE PEOPLE, RIP OFF!!!!

Had a policy through my business for 3 years, one claim, one refusal, arrogant staff when I explained that I wanted to cancel my policy, I was greeted with a smug laugh, now saddled with a £5000 bill!!

Reviewed on 9th April 2020

Chris

Clowns or thieves?

As quite a few others here, after many years of paying my fees and never claiming, I found myself in need of a doctor consultation online and I tried to obtain one through their promised online doctor appointment service. The first obstacle, you have... Read more

As quite a few others here, after many years of paying my fees and never claiming, I found myself in need of a doctor consultation online and I tried to obtain one through their promised online doctor appointment service. The first obstacle, you have to do it through their app: this turns out to be cumbersome, unfriendly, unnecessarily complicated, obtuse and over demanding. I am not sure if this app has been designed with an intent of taking the mickey or just by a bunch of unqualified ignorant but arrogant dunces. Never mind, however, once you have done all you had to do, including finding an access code which should be in your policy but isn't, you find that it does not work. It just doesn't. There is a number for support but it does not answer except with a message that they don't take calls because of the current situation. Thanks a bunch, you thieves. Shame on you Aviva, I spent so many thousands with you over the years and this is what I get the first time I need you. Shame.

Reviewed on 6th April 2020

Marco

Ripp off merchants

The GP app does not work in spite of repeated emails. Resources given to NHS England due to pandemic which is fine with me. However these ripp off bastards expect me to pay my regular premiums and NOT ABLE TO ACCESS ANY BENEFITS !!!!

Reviewed on 29th March 2020

Tariq Musaji

Shame they have turned to such a bad company

I know they are a business but have their business plan in a mess. Instead of making money from loyal customers I think they are on a push to make as much as possible by ripping off loyal customers. Policies flying up, service dropping like a led... Read more

I know they are a business but have their business plan in a mess. Instead of making money from loyal customers I think they are on a push to make as much as possible by ripping off loyal customers. Policies flying up, service dropping like a led balloon. I have made one claim in 5 years and been stung. £7,000 out on policies and £600 of treatment which I had to pay £300 of. Policy went up £400 this year for daring to use policy. What made things even worse was having decent hospitals taken off my list without information. Son had seizure and was sent 2 hours to a house in a shocking part of London down some rough side street into someone's dirty house Aviva called a clinic. I called so called clinic to ask where I could parked and was told "that's not my problem, find one yourself".
Shocking from start to finish.

Reviewed on 11th December 2019

Jason