Write a review

Aviva: Health Insurance reviews

Name: Health Insurance
Rating: 1.94 (186 reviews)

View other Aviva products

1.81

Based on 186 reviews, last reviewed 1st Jul 2025

200% increase in 5 star reviews

in the past 90 days

43% 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

Read all reviews See your review

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

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

Pointless

We took this out for entire family. Every time we wanted to go private they had a reason why we couldn’t, even though when we bought the policy they were reassuring us it would be used for anything other than pre existing conditions. It was such hard work getting any treatment/ appointments through them it was easier just to wait for nHs appointments Reviewed on: 15th July 2020

Bespoke policy especially for C.I. residents, unbeatable value providing essential peace of mind.

Been with Aviva's Channel Island policy for some years now and find it second to none. Reviewed on: 14th July 2020

Disappointed

from initial contact to claim to the decision took over 3 weeks. They declined my claim despite never having my current complaint before. This company is not a company to do business with. I have today cancelled my account with them. To make matters worse this was my first claim. Dont be fooled by what they tell you to get your money. Stay well clear. You have been warned. Reviewed on: 24th June 2020

Avoid at all costs

10 years a customer, never claimed once, pay over 100 monthly. During pandemic i call only to be told I cannot see a GP. Soon after i want to cancel then they start dragging their feet until i become confrontational. There are some experiences we shouldn't go through in life, this is one expensive experience. I am here to advise people to avoid such experiences as it never ends in your favour Reviewed on: 21st May 2020

Don't waste your time or money

I paid up to this service through my company healthcare. It has been the case of endless calls and emails; endless assurances that they will set up my account. Beyond being frustrating, Aviva have proven themselves incompetent and incapable of even setting up customers who have paid for the service. Right now, over a month has passed by and I have no access to this 'benefit'. I've used other private health providers for most of my adult life. Aviva is by far the WORST. Avoid at all costs. Reviewed on: 10th April 2020

NEVER, NEVER, NEVER USE THESE PEOPLE, RIP OFF!!!!

Had a policy through my business for 3 years, one claim, one refusal, arrogant staff when I explained that I wanted to cancel my policy, I was greeted with a smug laugh, now saddled with a £5000 bill!! Reviewed on: 9th April 2020

Clowns or thieves?

As quite a few others here, after many years of paying my fees and never claiming, I found myself in need of a doctor consultation online and I tried to obtain one through their promised online doctor appointment service. The first obstacle, you have to do it through their app: this turns out to be cumbersome, unfriendly, unnecessarily complicated, obtuse and over demanding. I am not sure if this app has been designed with an intent of taking the mickey or just by a bunch of unqualified ignorant but arrogant dunces. Never mind, however, once you have done all you had to do, including finding an access code which should be in your policy but isn't, you find that it does not work. It just doesn't. There is a number for support but it does not answer except with a message that they don't take calls because of the current situation. Thanks a bunch, you thieves. Shame on you Aviva, I spent so many thousands with you over the years and this is what I get the first time I need you. Shame. Reviewed on: 6th April 2020

Ripp off merchants

The GP app does not work in spite of repeated emails. Resources given to NHS England due to pandemic which is fine with me. However these ripp off bastards expect me to pay my regular premiums and NOT ABLE TO ACCESS ANY BENEFITS !!!! Reviewed on: 29th March 2020

Shame they have turned to such a bad company

I know they are a business but have their business plan in a mess. Instead of making money from loyal customers I think they are on a push to make as much as possible by ripping off loyal customers. Policies flying up, service dropping like a led balloon. I have made one claim in 5 years and been stung. £7,000 out on policies and £600 of treatment which I had to pay £300 of. Policy went up £400 this year for daring to use policy. What made things even worse was having decent hospitals taken off my list without information. Son had seizure and was sent 2 hours to a house in a shocking part of London down some rough side street into someone's dirty house Aviva called a clinic. I called so called clinic to ask where I could parked and was told "that's not my problem, find one yourself". Shocking from start to finish. Reviewed on: 11th December 2019

Do you have a different Aviva product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Health Insurance
from General and Medical Health Insurance 5.00 from 4 reviews
Health Insurance
from BHSF 1.00 from 1 reviews
Health Insurance
from Vitality 1.41 from 210 reviews

Want to see more from Aviva?

Lifetime Mortgage
from Aviva 5.00 from 2 reviews
Landlord Insurance
from Aviva 4.56 from 3 reviews
Pet Insurance
from Aviva 4.16 from 11 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub