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Aviva: Health Insurance reviews

Name: Health Insurance
Rating: 1.94 (175 reviews)

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1.79

Based on 175 reviews, last reviewed 10th Feb 2025

100% decrease in 5 star reviews

in the past 90 days

600% 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

Non-functional App. Non-existent customer service We have had Aviva for around 10 months and all was well. In the last two weeks we have tried to book a doctor’s appointment and found the app non-func... Read more Reviewed on: 10th February 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 (175)

Review of the Aviva, Health Insurance:

Crap. Will deny on any basis.

Crap. Slow to reponse to claims, and take any excuse to deny a claim. Mine was denied as I had been tired at some point the past 5 years before my policy, and I told the doctor that. Completely unrelated to my current claim, but now denied. Waste of money. Reviewed on: 24th January 2025

Company seeking loopholes to avoid claim

Five months ago I bought health insurance. Under my policy, I cannot claim for anything I suffered within the two years prior to the start of the policy. I understand that. I accept that. It also says that if the issue can be treated by the NHS within six weeks they would not pay the claim. I understand that. I accept that. A painful medical issue has arisen which satisfies all criteria and for which I require private treatment. I called to enquire about the process as I have not used the insurance before. I was put on hold for a long time. Eventually, the lady returned to recite all the clauses of my contract and also to says that even though this occurred AFTER I bought the policy and I am now seeking treatment FIVE MONTHS after the purchase of the policy the first symptoms occurred TOO CLOSE after the purchase date. Therefore, they need to do a full investigation. They need to requisition complete medical history and get it assessed before making a decision. This was not the question I put to them but this is what they wanted to say anyway. It's a time-consuming process and I am in pain. I want this solved right now not six weeks from today. The reason I bought medical insurance was to access a fast health care as Covid-19 was hogging the show. The treatment is only a couple hundred pounds. If they treat me this way, for a couple hundred pounds, what would happen if it were thousands of pounds? The way this came over was that they were looking for the slimmest loophole to avoid a pay-out. This was my first time and first impressions count. The amount of money that I have paid in premiums in the last five months together with the excesses on the policy, it is worth my while to go to a private doctor, dentist and optician, pay their fully fees and the total cost will be a fraction of the cost of the premium. Needless to say, the policy has been cancelled and shame on me for falling under the spell of their sales pitch. I want an insurance that will work for me, not the other way around. Aviva is not it. Reviewed on: 22nd April 2021

Terrible service on the phone. . Disgraceful.

Long winded way to get to see a specialist taking up to 2 weeks for them to deal with even the initial enquiry. Disgraceful. I shall be meaning this company ASAP Reviewed on: 8th April 2021

Medical insurance

Don’t touch this company they are an utter con........., they don’t pay out at all. My daughter took pcos and said because she had acne teenager and fatigue it was a symptom. They also get you to fill in forms which Your gp take a fee. It’s an utter disgrace I don’t ever recommend them and will tell everyone happy to take your money but nt pay you out. Don’t use them!!!!!! Reviewed on: 20th March 2021

What a con!

Tip 1. when you go to the Doctor and they ask how long have you had the symptoms just reply "on the way in". Went to Doctors with pulled shoulder blade muscle from golf. 18 months later had to go with different symptoms and pain in top shoulder joint (not muscle strain). Turns out I need an operation which is NOT covered because I had complained of pain previosuly! Total crap service and 14 months of pain. Paid for the op myself and would cancel my companys health insurance if it wasnt for the other staff I have on it. Reviewed on: 15th January 2021

Simply awful service

Bought my company’s private medical insurance from Aviva on advice of broker against web advice to go for the No.1 provider AXA. Turns out that if you have something as simple as a bruise or a pulled muscle (in my case) in apart of the body you are automatically excluded from any claim for absolutely anything for two years from policy start. So, if you pull a muscle in January one year and then have pain in the shoulder due to bone cancer the following year you are not covered. Better still notes made by non medically qualified personnel are treated as if a Doctor had written them! MY strong advice is this: 1. When booking your Dr’s appointment just say you are ill with no mention of what is wrong or with what. Also only book a week or two before expected appt. 2. Do not say how long you have had the symptoms or indeed what they are but just say it started just before you walked in. 3. Do not mention or comment on any of your medical history. 4. Always request access to your medical records so you can see what is written about you. 5. Make sure if they diagnose something you are given the proper investigative procedure (X-ray, MRI, blood test etc). This will determine exact issue and if you then have another different issue some time later it should be treated as a separate claim. 6. Choose another private medical insurer. Reviewed on: 1st January 2021

Con artists

I was with bupa for over 15years through my works health insurance and not a problem even when my wife developed a condition that needed lots of treatment bupa were fantastic, then the company changed providers and whent with aviva that's when it all changed, aviva say they won't cover treatment if that treatment doesn't cure the condition permanently, they fail to mention this beforehand, absolute con artists, Reviewed on: 1st September 2020

Aviva health

I highly recommend health insurance with Aviva. I've sorted everything in a few minutes! Easy access to website and helpful phone advisors. Reviewed on: 31st August 2020

Longstanding

Always felt happy dealing with Aviva Reviewed on: 25th August 2020

Speedy Diagnostic that excludes diagnostic

So, you buy this insurance thinking that you pay a little extra to avoid long waiting lists in this pandemic in case you need diagnostics whether anything is wrong - it's in the name - Speedy diagnostic, skip queues etc. But once you need diagnosing (ultrasound is means to diagnose something afaik), then it isn't included, so essentially you have to join NHS queues to have it done. Of course they say it's in the term and condition however I failed to find where. Complete and utter waste of money! Reviewed on: 10th August 2020

Rip off on child's health insurance premiums.

I bought health insurance policy for my kid when he was not even 2 y.o. - I was an older mother, he started having bad colds when starting nursery - so I bought for the peace of mind. 5 years on, not a single claim - the premium is up almost twice. I tried to talk to them about it last year, wondering what happened to "no claim bonus" - no result, the agent was absolutely dreadful. Avoid this company, try something different for the sake of your money, or just set money aside as your emergency fund. Reviewed on: 5th August 2020

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