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Aviva: Health insurance reviews

Name: Health insurance
Rating: 1.94 (189 reviews)

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1.81

Based on 189 reviews, last reviewed 5th Sep 2025

50% decrease in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

19%

71%

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

Discussed with the level of care been waiting 3 week... Discussed with the level of care been waiting 3 weeks now got an NHS appointment quicker Reviewed on: 4th September 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.

Aviva Health insurance reviews (189)

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

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

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

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