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Aviva: Health insurance reviews

Name: Health insurance
Rating: 2.66 (209 reviews)

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2.66

Based on 209 reviews, last reviewed 21st Aug 2026

No new 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

20%

70%

Latest highest rating:

5

Creative Insurance Company There is an easy method for claims settlement and also hassle free customer service provided by the advisors. Reviewed on: 20th August 2026

Latest lowest rating:

1

They don't think about people they think only about... They don't think about people they think only about the money , last year i lose about them a thousand pounds for surgery Reviewed on: 21st August 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 (209)

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

They don't think about people they think only about...

They don't think about people they think only about the money , last year i lose about them a thousand pounds for surgery Reviewed on: 21st August 2026

Creative Insurance Company

There is an easy method for claims settlement and also hassle free customer service provided by the advisors. Reviewed on: 20th August 2026

Rapid resolution - no complaint necessary.

An issue with payment for a treatment was rapidly resolved by Aviva and enabled things to move forward and be resolved within a week. A member of staff took ownership of the case and worked with other departments and external bodies to resolve matters without the need for a complaint. Reviewed on: 20th August 2026

Easy to follow guidelines

Easy to follow guidelines and customer service made things easy and provided me with reassurance Reviewed on: 20th August 2026

They do not like claims.

I have hip pain and they declined my claim despite never having similar problems before. I have now referred them to the Ombudsman but of course this takes time. Reviewed on: 20th August 2026

I have used Aviva for multiple insurance policies an...

I have used Aviva for multiple insurance policies and always have had a great experience. Their customer service is second to none and very easy to deal with in any situation Reviewed on: 20th August 2026

Good premiums, good service

Good premiums, good service,.but sometimes have to chase. Not all appointments can be booked online. Reviewed on: 14th August 2026

It’s very reassuring to have this policy in place

my husband purchased our policy after 13 hour wait in A&E left us upset and un cared for. There was definitely a stigma around it and I wasn’t sure whether we would actually end up using it but God oh my God we ended up getting a policy. Since inception we’ve had to use it twice and both times the care and attention that we’ve had has been exceptional. Everything has been super quick. All of our concerns have been taken care of and we feel like any issue is no problem at all. Reviewed on: 16th July 2026

My wife was admitted to hospital for emergency treat...

My wife was admitted to hospital for emergency treatment-we wrote to them and said what do you need from us.No reply. We sent bills £8ks worth, nothing for a year apart from telling us our providers were not recognised by Avila-they made that up. A year later we get a letter saying please contact us about it-we need some information. What do need? Silence . Next up we are going to sue. Reviewed on: 14th June 2026

What happened to customer service?

Typical large company -telephone enquiries are funnelled through a call centre, followed by a flowchart of reasons why they feel they don't have to pay a reasonable claim! Reviewed on: 27th May 2026

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