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Aviva: Health Insurance reviews

Name: Health Insurance
Rating: 1.93 (176 reviews)

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1.75

Based on 176 reviews, last reviewed 25th Mar 2025

No new 5 star reviews

in the past 90 days

700% increase in 1 star reviews

in the past 90 days

18%

73%

Latest highest rating:

5

I’d like you to contact me about life insurance I’d like you to contact me about life insurance Reviewed on: 9th September 2024

Latest lowest rating:

1

No respect for their customers Yes another painful attempt to use my Aviva health insurance which is paid for by my company. They can't assess me for 3 days, I've already been in p... Read more Reviewed on: 25th March 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.

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Aviva Health Insurance reviews (176)

Not worth the paper

The claims authorisation process is very long and drawn out. They will try their hardest to make claiming difficult for genuine and fully covered incidents. We have cancelled and concluded that self funding medical insurance is the way forward. Reviewed on: 10th February 2022

Terrible Service. Should be illegal

The whole experience is dreadful. Beware - there are much better providers out there from my experience... Reviewed on: 24th January 2022

Avoid. Just awful.

Was told my procedure was authorised. Took my full years premium.£3K Then told me I shouldn't have been told it was authorised. Silly mistake by the claims advisor. Sorry. Won't honour it even though they agree it's recorded on the call. I've dealt with many health insurance companies. Aviva health is by far the worst. Other reviewers agree. But Aviva make sure that their Trustpilot reviews appear on any websearch because those are artificially high. Reviewed on: 19th January 2022

Hopeless Service

I joined about 5 months ago. Recently I tried to get a doctors appointment via the AvivaGP App. It took many days to secure an appointment. When I queried this I was told that they don’t have enough doctors to meet customer demand so were busily recruiting. I eventually secured an appointment for the following week but the doctor didn’t turn up for the appointment (which was via the app). I complained and was told that the doctor had to deal with an unexpected personal issue and the support team hadn’t got round to rearranging the appointment. Aviva customer service staff said this was a one-off and rearranged another appointment for me. For the new appointment I was given a 30 minute time period and told that a doctor would phone me during that period. I made sure and had a strong signal and waited for the phone call at the agreed time. 40 minutes later the doctor never called. From my experience in am not convinced that Aviva have any doctors supporting their service. I have no confidence in them providing any level of service but they are efficient at taking your money every month Reviewed on: 5th January 2022

A complete waste of money

Went through all the hoops to be told that Avivs will not pay for radiotherapy on my hand. I went to an Aviva approved consultant who referred me to another consultant for treatment. Aviva will not pay so am paying for it myself. They are not even paying for the initial consultant action as this is within my excess and the radiotherapy consultation was free. All they effectively did was complicate matters and cause delay. I absolutely cannot recommend this company to anybody, especially somebody in need as they will only cause delays through their protocols Reviewed on: 7th December 2021

Total con

Honestly the biggest con. Our policy is worth 19k a year, they refuse treatment, try and force you to do everything via zoom, you don’t get to choose your dr, they force you through triages so they put people off accessing care, they only allow you to use some of the least qualified and least exspensive physios etc it’s just a total sham. I’m so annoyed we ever moved from AXA. I would have spent far less just paying for everything directly myself. Total con. Reviewed on: 30th November 2021

Awful

Well, I have bought a health insurance FMU in which I agreed at the beginning of the policy to aviva request my full medical records and send a copy to me (which they never did) they sent me my underwriting exclusions just according to what I declared after several weeks without even checking my medical records, 5 months later I did a claim for a gastroenterologist and after almost 4 weeks they declined my claim because I had last year a pain in my rips and left side of my abdomen, whilst my current claim was about completely different symptoms and the only "similarity" was a pain in the upper abdomen and center no even in the same area as my left side pain last year they refused to cover claiming that is the same condition when I didn't even get any diagnosed from the GP by the NHS last year when I had that rib pain, so basically if you ever had even a pill for your stomach in your records it doesn't matter what your symptoms are when you do the claim they'll find a way not to cover, so in that case if I had pancreatitis same area of pain in the abdomen they won't cover because I had a rib pain last year for which I didn't get treatment or diagnosed but yes for them obviously is linked. Why do they offer a FMU if they won't check the medical records and state from the beginning what they are not covering instead they choose to make me waste my time and be as neglected or worst than the NHS with waiting times and resources. I cancelled my policy obviously and I wouldn't recommend aviva to anyone at all. Try with another insurance and make sure they do check your medical records from the beginning. Reviewed on: 15th October 2021

3 year moratorium turns to 5

Aviva could not care less when you phone to make a claim; it became clear at the outset that the person taking the call was just after a way to find any evidence at all to stop them paying out. When I brought my insurance I was told I had a 3 year moratorium, however when I phoned to claim that somehow became 5? They blamed this on the insurance broker and a misunderstanding, but honestly it was apparent from the outset that they were going to move heaven and earth not to pay out. I feel I've been paying out every month for worthless cover. The staff member thought I'd started my policy in July 2019 and wouldn't pay because of the amazing time-travelling moratorium, but when I pointed out my cover started in December 2019 somehow, by sleight of hand, had I had my cover for 3 months longer I actually would have been covered. How does that work? Reviewed on: 22nd September 2021

Doesnt cover emergency

My partner went to A&E and NHS and was told they needed to have surgery urgently or go blind. We called Aviva who we have had insurance with for over a year and never used. We were told it would take two weeks to get the surgery done. If we waited that long my partner would be permanently blind. Do not buy this insurance. It isnt worth the paper it's written on. Absolutely horrible Reviewed on: 18th September 2021

Disgusting

Aviva is hands down the worst health insurance company I have ever been with unfortunately I have no choice as through my work but will be raising this with HR. It is very true per the other comments that customer service will do anything to find a way not to cover more than an initial appointment. Full diagnosis is not covered even though my policy says it does. I am left with no proper diagnose or management plan. I fail to understand what the point is of having this insurance. Not worth your time or money. AVOID. Reviewed on: 6th September 2021

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