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Aviva: Health insurance reviews

Name: Health insurance
Rating: 1.94 (190 reviews)

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1.81

Based on 190 reviews, last reviewed 18th Oct 2025

50% decrease in 5 star reviews

in the past 90 days

25% decrease in 1 star reviews

in the past 90 days

18%

72%

Latest highest rating:

5

Reasonable cost, clear communication, I have had thi... Reasonable cost, clear communication, I have had this account with them for the last 9 years and have no complaints so far - luckily I haven't had to ... Read more Reviewed on: 5th September 2025

Latest lowest rating:

1

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 hav... Read more Reviewed on: 18th October 2025

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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 (190)

Thieves

This Company took over my previouse insurer. I have been with them for 40 years and currently pay them £650 a month. You take insurance out for those occasiions when you need medical help especially life saving. A number of times over the last 40 years I have had to pay up to £3600 out of my own pocket. Now they have given 6 months notice they won't cover my heart condition. With insurance some people claim and some people like my wife never claim. Thats why we insure in the first place. This company is a disgrace and I wish I had never heard of them. If your thinking of useing them DON'T you will be sorry. Once they refuse treatment it's to late to go somewhere else and you can die for all they care. Reviewed on: 15th April 2022

Any means not pay

I cannot recommend this company based on my own experience, when I needed them most they basically called me a liar (without actually saying it) and said they couldn't pay based on we couldn't prove when the illness started, even though it was on my doctors record. Avoid these charlatan's. Reviewed on: 4th April 2022

Sneaky and dishonest

I have had numerous surgeries from 2010 so felt I would like to cover me and my husband going forward as we got older. I have only had call to phone in two years (and £3000) and have been dismissed by automaton customer service reps both times, who turn a genuine query or request for mere advice, into an interrogation about how long you have experienced symptoms, with the sole purpose to stitch you up by inferring everything is before you were insured, so you're not covered. As an extreme example I asked the representative if I came to them with a brain tumour, would me having a headache when I was seven count as a pre-existing condition, and, to her robotic credit, she said it would depend on my policy. Avoid. Reviewed on: 29th March 2022

Terrible Service. Waste of Money

Terrible service. You pay for health insurance make a claim and they just ignore you. Health insurance is supposed to make things quicker and easier to get medical care. Not with Aviva. Its just an exceptionally stressful experience. Reviewed on: 28th February 2022

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

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