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Aviva: Health insurance reviews

Name: Health insurance
Rating: 1.89 (199 reviews)

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1.89

Based on 199 reviews, last reviewed 16th Apr 2026

300% increase in 5 star reviews

in the past 90 days

50% increase in 1 star reviews

in the past 90 days

19%

71%

Latest highest rating:

5

Easy to change coverage I added some extra coverage to my policy, the process was easy and the switchover from my old policy went through with no issues, it's good value for ... Read more Reviewed on: 16th April 2026

Latest lowest rating:

1

Aviva - avoiding supporting customers whenever possi... Aviva - avoiding supporting customers whenever possible. They will take any and every opportunity to delay, confuse, blame historic and anatomically-... Read more Reviewed on: 9th April 2026

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About this product

Aviva health insurance helps pay for private medical care for short-term injuries or illnesses.

You'll have access to a range of private hospitals and facilities that include Circle, Nuffield, Spire and NHS private units. Aviva won't increase premiums at first renewal if you haven't made a claim that's reduced your no claim discount level.

Aviva health insurance reviews help you find out what it’s really like to be a customer. If you’ve used Aviva before, you can also leave a review and share your experience.

Aviva Health insurance reviews (199)

Review of the Aviva, Health insurance:

Horrendous. Utterly diabolic!

Horrendous. Absolutely horrendous. A nightmare. Utterly diabolic system, specifically designed to put your in constant stress, strain and struggle, so you run out of energy and give up. I have been having Aviva health insurance policy for a few years at the time I had to make a claim. Everything was fine while I paid, its a big company, so you kind of thinking you are protected, they have such a nice and shiny web site… Then when you dare to make a claim, this is where a nightmare starts. 1. No one picks up the phone for hours. Literally, for hours. No customer service presence EVER. The phone automatic msgs constantly says they are extremely busy, whatever time and day you call. You need to wait at least 45 mins on the phone to get throgh to the real person (thats the quickest I ever managed to get through after my many efforts) Im pretty sure this shortage on staff and responce is there deliberately. 2. Once you made a claim on their web site, and added all supporting documents, including GP referral and previous tests and scans (its mandotory before they even look into your claim) they suppose to contact you within 7 days. Guess what? Noone does. You have to chase them. Again. Call and wait for hours or try to get throgh their chatbot on the web site. 3. The chatbot is another nightmare. Everything is made to kick you off and not get you through to the real person. It is really hard to get through their automatic system. Sometimes just impossible. It is also, Im sure, made deliberately. 4. Once you made a claim, they will start looking for anything, literally, anything in you medical record to reject the claim. Trying to say its pre existing medical condition and etc. They try really hard, mind you. 5. Once you managed to get through these previous steps, and your claim was accepted, you still cant go to the consultant, no. They need to AUTHORISE your treatment. Otherwise its not gonna be paid for you. And this is your owns fault if you went to the doctor before they authorised any treatment in their system. They also choose a hospital for you and provide you the names of the authorised consultant. Only after this you can call to the hospital and book the appointment with a consaltant they choose. 6. Same steps happen with everything, every appointment or test you need to make. Whether its scans or tests or doctor consultations. Time flies by, appointments are not happening immediately, and here we are many months after without health issue being solved or any real result. ;) Congrats. 7. After months and months of struggle with their system, my surgery have been eventually postponed by the Spire hospital on the last day before the actual surgery. 3 weeks after the surgery assesment they suddenly decided I have to go to see a cardiologist and a GP, just to make them feel safer with what they do. ;) I have done this. And guess what? To the time I have done this (it was another month or so) the consultant who was suppose to perform this surgery just left this hospital ;))))) The end. At this point I could stand it no more! So I went to Russia (this is where Im from), and in 2 weeks there they have done all the tests and scans from scratch, prepared me for the surgery and performed the actual surgery. Done. And guess what? It was free. After this I canceled this ridiculous, torturing insurance and never looked back.) Eveything is hard, to the extent, its too much effort to make anything work. This is made deliberately by Aviva, to kick you off when you need them and cynically get their profit. And when you having health issues the last thing you want is more stress, struggle and palaver in your life. Having health issies is streessful enough. Then Aviva just adds more streess and struggle in already very hard circumstances. The whole reason of having private health insurance in the first place, is to have a stress free healthcare and fast specialist appointments. This is not what this is about. They just take your money and dont care about the rest. They dont even pick up the phone. Reviewed on: 17th January 2025

Easy to change coverage

I added some extra coverage to my policy, the process was easy and the switchover from my old policy went through with no issues, it's good value for money. Reviewed on: 16th April 2026

During my recent experience with Aviva I have found...

During my recent experience with Aviva I have found them very helpful and caring. They have been very transparent and have delivered on everything they have said they would. Reviewed on: 16th April 2026

Aviva - avoiding supporting customers whenever possi...

Aviva - avoiding supporting customers whenever possible. They will take any and every opportunity to delay, confuse, blame historic and anatomically-unrelated health conditions to avoid having to pay out. You have to fight, chase and waste your own time to try and get something that they are contractually obligated to supply. I am taking them to the small claims court as a result. Avoid! Reviewed on: 9th April 2026

Really easy set up that helped me pick the right pla...

Really easy set up that helped me pick the right plan for what I needed. Reviewed on: 21st March 2026

Good website easy to navigate.

Good website easy to navigate. Good products Reviewed on: 21st February 2026

Through my employer I was a group scheme member BUT

Through my employer I was a group scheme member. I was asked to submit both an invoice and a receipt for a pacemaker check. This I did on 22/12/2025. Supposed service standard - 10 working days. Today is the the 9th of February 2026 and the claim has still not been paid. Reviewed on: 9th February 2026

AVIVA Health insurance is bad for your bank balance.

Started in 2021 with a premium of £1117 year 2 went to £1739 then last year £2874 now £4362 after a £250 claim for a broken toe..don't get conned by their introductory offers/headline prices..... Reviewed on: 6th February 2026

AVIVA Health Insurance - Cold Stonewallers

My partner and I have tried to make genuine claims, but AVIVA ask so many questions and it appears they have an offshore company doing their assessments - as you get replies at 0500hrs. There customer service is awful and when my first claim was rejected - a call handler gleefully suggested that I should read the small print. One of their "overseas" reviewers suggested I may have a problem with alcohol. Reviewed on: 10th January 2026

Very bad experience with Aviva health insurance.

Very bad experience with Aviva health insurance. My son was critically ill and admitted to hospital for three days after choking, which led to a cardiac arrest. The medical team performed CPR, and he was placed on ventilator support because his lungs were in very poor condition. When he arrived at the hospital, there was no air in his lungs, and his ABG results were extremely poor. We contacted Aviva to make a claim, but they refused it, even though I have been paying nearly £50 per month. I contacted Aviva to make a claim and spoke with their customer care executive, who told me that this was not considered a serious issue. I do not understand what they would consider a serious issue, given the circumstances. This reflects very poor service, and I strongly do not recommend Aviva insurance anymore. Reviewed on: 16th December 2025

I cancelled my policy in its last month as I cant af...

I cancelled my policy in its last month as I cant afford it.I told them clearly I would not renew,sent back documents & blocked their number. They have taken money un authorised from my account as " First Payment"I am reporting this to my bank as fraud.Avoid these scamsters Reviewed on: 18th October 2025

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