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Aviva: Health Insurance reviews

Name: Health Insurance
Rating: 1.94 (186 reviews)

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1.80

Based on 186 reviews, last reviewed 1st Jul 2025

200% increase in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

18%

72%

Latest highest rating:

5

Very easy producure, making a claim, tracking the st... Very easy producure, making a claim, tracking the status online and always able to speak to someone if you have any questions. Reviewed on: 13th June 2025

Latest lowest rating:

2

Poor oncology team, poor communication style. I unfortunately had cancer and my local private hospital referred me to a London hospital because the only surgeon who did what I needed was there. Av... Read more Reviewed on: 1st July 2025

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About this product

Aviva health insurance gives policyholders access to 100s of hospitals across the country, allowing you to choose where you’ll be treated. There are three levels of cover available: Core, Advance and Reduce. Policyholders can access a range of wellbeing services, including healthy eating advice and gym membership discounts.

Before taking out a health insurance policy, check customer reviews to learn how satisfied existing policyholders are. The Aviva health insurance reviews on Smart Money People can give you valuable insight into the provider and its policies.

Find out how long policyholders have had their health insurance with Aviva and how satisfied they’ve been so far. Learn what is and isn’t covered under the health insurance policy to decide if it suits your requirements. Read about genuine experiences with the customer service team to learn how swiftly Aviva resolves customer concerns. Find out more about the wellbeing services available and how often existing customers use them. Make an informed decision about your new policy by reading our Aviva health insurance reviews.

If you have a health insurance policy with Aviva, share your experience with others. Tell us what level of cover you have and whether you’ve been satisfied with your choice. Have you made a claim on your policy, and if so, how quickly did you receive the payout? Are there any aspects of the insurance that you feel could be improved? Would you renew your policy with Aviva and recommend it to your family and friends? Write an honest Aviva health insurance review today. Together, we can help people like you make better financial decisions.

Aviva Health Insurance reviews (186)

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

Most comprehensive

Most competitive and comprehensive cover for health insurance. Reviewed on: 15th August 2022

Covered my claims but slow communication

They have covered a very big claim so I am very grateful, but communication very poor, slow and ineffective eg I ask a question and the lady calls back a few days later, I’m expecting the answer but the question has to be repeated on 3 or 4 calls before she finds the answer Reviewed on: 12th August 2022

Will find a way not to cover your claim, avoid the huge premium which will give you nothing

I have paid into my company health insurance to cover my family for years and as soon as it comes to making a claim, they managed to find a reason not to support us. Needless to say I will be feeding back to my company but I am sure Aviva won't care!!! Reviewed on: 3rd August 2022

Beware

When I tried to make a (totally genuine) claim I immediately got the impression they were going to do everything they could to avoid honouring the claim. And that’s exactly what happened. They confirm all the terrible stories we’ve heard about health insurance companies. Wish I’d stuck with BUPA. Reviewed on: 3rd July 2022

Total Madness

Been with them for many years and because we have a house in France I phoned them to ask if it was possible to increase my policy to include my times whilst in France , as there are many Aviva agents there . When I said I could be there for anything over 3 months per year , they cancelled my policy there and then . Totally stunned I was told that being out of the UK was not allowed , when did this happen I asked ,the 3 month clause happened in January they said , why was I never told . We do not tell clients I was informed but if we find out we cancel their policy . I would have thought it benefitted them we not being in the UK – still do not understand this , so now I do not have private cover If other people are in the same position and holiday abroad for more than 3 months then I hope you cancel being with them and find someone else Unbelievable behaviour – speechless . Reviewed on: 2nd July 2022

Avoid Avoid Avoid

Absolutely rubbish. Happy taking your money, but very poor communication when you put a claim in. They ultimately almost always find any excuse to refuse the claim. Much better to put your money into a savings account and draw money from there when you need it. Reviewed on: 29th June 2022

Customer service where are you?

After more than 2 hours wait on the phone they disconnected me. No ways to get in touch. Live chat not working either. Simply appalling. Beware of the "invited" reviews on Tripadvisor Reviewed on: 29th June 2022

Aviva are nothing but thieves

I was diagnosed with cancer after I took out the policy and they refused to pay for my treatment. They had copies of all my consultations and could see clearly that I’d never had a a diagnosis of cancer before or treatment on this particular area but they slithered out of paying. How can one person take on such a large company with lots of lawyers? I will never use them for any insurance again and strongly suggest no one else does either, they are corrupt! Reviewed on: 23rd June 2022

Appaling

Lack of transparency about costs, inflated treatment prices, terrible customer service: stay away! Reviewed on: 13th June 2022

Scammers ! Avoid avoid avoid

Do not use use Aviva Health care! They are only willing to pay £500 per year on any consultation! Nothing is explained clearly on the phone My premiums are £960 per year and my consultation cost came up to £1000! They are only willing to pay the minimum £500 Do not believe them when they say you can increase the £500 per year! They won’t allow you! Avoid using Aviva Health Care! Reviewed on: 8th June 2022

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