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Aviva: Health Insurance reviews

Name: Health Insurance
Rating: 1.94 (186 reviews)

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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

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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 (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

Slow slow slow claims service

The claims assistant was desperate to categorise my referral to a cardiologist as a pre-existing condition. I reported slight heart tremors in June but was given the ok by doctor. He asked how long had I had the heart tremors and he was desperate for it to be 3 months so it was before my policy started. No it isn’t the same thing, no it isn’t a pre-existing condition. I now have to wait four weeks for a doctors appointment to fill out a form then a further five days for Aviva to make a decision. Unacceptable. I would be seen quicker with the NHS (that’s if I haven’t collapsed with heart failure by then). Reviewed on: 7th November 2019

Thanks for looking after me

Cancer diagnosis 7 years ago, very worried about money Aviva acted very quickly and took all the worries from me. Iam now much better. Thank you Aviva. Reviewed on: 4th August 2019

Unhappy with breadth and level of cover

I pay a high monthly premium, but recently when I was advised by my GP to have some moles on my body investigated to makes sure they were not cancerous, I have still ended up with bills totalling £711.00. They seem to cover nothing unless you are at deaths door. Reviewed on: 28th July 2019

A pleased customer

I've had a positive experience using aviva. Thanks Reviewed on: 23rd July 2019

Aviva - good all round provider

Health insurance in particular excellent value, good internet marketing site. Reviewed on: 23rd September 2018

Helpful Service

Clear policies and helpful service when making a claim Reviewed on: 22nd September 2018

GOOD COVERAGE

Good coverage relevant to age and income, easy to set up when also purchasing a house. The benefits and coverage offer a lot, should a pay out ever be required. Reviewed on: 17th July 2018

Excellent value

I have been with Aviva for critical illness cover for years as I cant find better cover elsewhere. Reviewed on: 25th September 2017

Not very responsive and not competitive.

A company that seems determined to bombard with material but does little to evince confidence in their product. Reviewed on: 13th September 2017

I have been a customer of Comfort for many years. Comfort by name Comfort for exceolent service

ALL GOOD. NO COMPLAINTS WHICH CANNOT BE SAID FOR A NUMBER OF OTHER CO;S Reviewed on: 6th September 2017

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