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Aviva: Health insurance reviews

Name: Health insurance
Rating: 2.26 (201 reviews)

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2.26

Based on 201 reviews, last reviewed 14th Jun 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

19%

72%

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

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, nothin... Read more Reviewed on: 14th June 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.

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Aviva Health insurance reviews (201)

Customer service and claims help abysmal

To my great regret, I changed over to AVIVA a couple of years ago. I recently had cause to make a claim and their service would be abysmal if there was any. It took 10 days to respond to a claim update despite sending multiple emails and filling in the update forms online on multiple occasions. You cannot get through on the phone, I only managed it once after holding for 1 hour and 40 minutes. They are now questioning the claim despite knowing about the condition for 3 months. I have had to cancel an important operation as a result of their delays. Reviewed on: 14th June 2023

Phone never answered in under an hour

I've been refered for physio. The only physio they would send me too is a 20 mile round trip = fortunately my injury doesn't affect my driving, and I have access to a car - no idea how many buses & hours I would need otherwise, and ceratinly a day off work each time. 16 days ago the physio has confirmed I'd need 4+ sessions; they're now waiting for confirmation from Aviva that the treatment can go ahead. I've chased both the physio and Aviva, I'm currently on hold with Aviva; 55 mins so far; however I know that the phone will not be answered for at least another 15 minutes (despite the reassuring 'thanks for waiting, we'll be right with you' message on loop). If they treat their medical partners in the same way, it's no wonder the nearest physio who will deal with them is such a long way away Reviewed on: 8th June 2023

Appalling

Took out health insurance for me and my children as I thought it would be less stressful and more straightforward going private. Well I am wrong. The whole process so far has been stressful and NOT straightforward, paying nearly £60 pound a month for health insurance yet when I put in a claim I need to go to the doctors with a form so they can then fill it out aviva do you understand how long the current waiting times for a doctor appointment is? The whole point of going private and paying for health insurance is to surely make it easier? Not believing your patients and basically asking for the gps confirmation that our symptoms are true and not long term is unbelievable. Cancelling my policy and will see what other health insurance companies are like in comparison to this hell that I’ve had to deal with robbed of money and not helped at all. Reviewed on: 7th June 2023

Costumer service

After transferring my previous health insurance from Bupa to Aviva like for like. They not suppose to ask for any GP forms to be filled but they do everything to not pay. After 53 min waiting to somebody pick up my call more than a week ago, they asked to take the form to GP to fill the form. I did and I’ve sent them all a week ago. I haven’t heard anything from them so I try to ring them. I was on hold for 1 hour and 23 min till the cut off the call. I am waiting with my chest pain till they magically contact me. It’s so frustrating Reviewed on: 6th June 2023

Absolutely soul destroying lack of service

Following a major heart event we for the first time had cause to use our Aviva healthcare insurance. It’s been awful. Every interaction is poor and phone wait times are always well over an hour. No one follows up even when they say they will. Email responses take about 10 days if at all. I honestly believe we may have had quicker response directly through the NHS. I will never insure with them again. Reviewed on: 31st May 2023

Totally unimpressed!

My first claim a year ago took longer than the same NHS time. I complained and nothing came from it. This time , I have been trying to make a claim for well over a month, they then disputed the claim, I obtained a new referral to prove this was not a previous non recorded condition , this was two weeks ago - they then sent me authorisation form for me to sign so that they could obtain more information from my GP, this was two weeks ago and still Aviva have not contacted my GP for the information. I have emailed countless times to obtain progress report, I even sent an official complaint brought he website a week ago, and still no response ! Today currently I have been holding on the phone for 1 hour , and now I am online on the chat facility , guess what ? No one there either! I have this procedure request going through NHS and they are going to get me booked in for June with local anaesthetic, I want this procedure under general hence why I’m attempting to go private. I had an op’ last year and the same op was arranged quicker through NHS than with Aviva and it seems to be happening again this time, totally unacceptable, and I am paying £135 per month! Makes me feel like an idiot to be honest I am going to cancel my policy Reviewed on: 15th May 2023

Awful experience

Avoid dealing with them, they will do their best not to cover any claim and you will end up paying monthly fees for nothing. Very bad experience. Reviewed on: 4th May 2023

AVIVA - no thanks

I have had both car and health insurance with this company and overall customer service is way down [bottom] the list of their priorities. Trying to speak to anyone is a nightmare. The website looks pretty but offers little useful info. I emailed them twice about my health insurance. 4 weeks later i have had zero response. Not even an acknowledgement. My wife's company uses these fools for their company health provider - but certainly not on renewal. The complaints from staff about AVIVA are numerous. Simply Health will be getting their not insubstantial business. Reviewed on: 22nd March 2023

An hours wait to speak to someone on the phone? Really?

Just tried to get in touch to see a consultant, but had to wait an hour on the phone. No notice of how far you are in the queue or a callback. Eventually got through and AVIVA recommended a consultant. We've now found out the consultant doesn't actually work at the hospital anymore. So, again on the phone for an hour to get another consultants name. This one isn't registered with the hospital anymore either. Is this some sort of sick joke by AVIVA? Reviewed on: 13th March 2023

Is this really private health care?

Had the policy for 3months under moratorium underwriting, and despite needing to make a claim which fell within the regulations they still wouldn't cover the claim. So the under writers dont seem to be able to read. Not only that, I cant get over how appalling the service is. On hold for never ending periods of time, appalling turn around time of 5 working days for a claim to be reviewed (which will likely be rejected anyway). Shambolic, dont waste your money. Find a proper private health insurer that isnt a jack of all trades. Reviewed on: 13th March 2023

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