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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)

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

Comprehensive policy that is almost impossible to claim on

Do not take out a policy with these f*ckwits, they will find a way to weasel out of a claim any way they can. Reviewed on: 4th September 2021

Up against a brick wall

Staggeringly difficult to make a claim. If you were not feeling well, you would give up within ten minutes, which I can only imagine is what their `goalkeepers` who answer the phone are trying to achieve. I would not recommend this company to any one. Absolutely dreadful. This is a zero star (you have to give a minimum of one apparently - they are not worth one star) review. Reviewed on: 27th May 2021

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

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