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Aviva: Health insurance reviews

Name: Health insurance
Rating: 1.78 (195 reviews)

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1.78

Based on 195 reviews, last reviewed 21st Feb 2026

No new 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

18%

72%

Latest highest rating:

4

Good website easy to navigate. Good website easy to navigate. Good products Reviewed on: 21st February 2026

Latest lowest rating:

1

Through my employer I was a group scheme member BUT Through my employer I was a group scheme member. I was asked to submit both an invoice and a receipt for a pacemaker check. This I did on 22/12/2025. ... Read more Reviewed on: 9th February 2026

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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 (195)

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

Sympathetic without being condescending

My husband has suffered 2 strokes & gone through treatment for throat cancer in the last 2 years. When I phoned Aviva after the most recent stroke they were extremely helpful & I was very happy with the service I got from them. Reviewed on: 15th July 2017

Linked Common Cold as pre conditon

Please avoid. Linked common cold as pre-condition symptoms when i asked them for referral to specialist as my child was unwell.. From morning i was continuously on phone calls . Just when you think you have insurance to cover you for your family and then they link to such common symptoms. Reviewed on: 16th November 2016

Aviva health care

Luckily not had to use it but good to have it as a back up. Time will tell how good they are when it comes to an actual claim Reviewed on: 15th August 2016

Brilliant

Great service from start to finish. Great customer experience on the phone lines. Reviewed on: 13th August 2016

Fantastic health insurance

I'd had health insurance for a while, but since I was diagnosed with Breast Cancer it has really come into its own! There is a dedicated oncology team, and every call and claim has been so easy and straightforward, thank you for making a difficult time much easier Reviewed on: 13th August 2016

great service and even seem to care about the customer !

I have had health insurance with this company for two decades and they have been delightful to deal with , well-trained staff off great advice when switching products and cover and any claims have been dealt with efficiently and promptly Reviewed on: 12th August 2016

Recently claimed for pulling my back

The process for claiming was quite easy, although I was originally told I needed to obtain a letter from my GP for referral. However, I never sent this through as the GP did not provide it as promised, but despite this the claim was paid in full directly to the physiotherapist. No other problems with the claim, great service. Reviewed on: 1st August 2016

Unbelievable

My experience was incredible my auntie has copd and ashma and this company covered everything that needed to be sorted.... Reviewed on: 29th March 2016

CheekyCharges Campaigner

Had it through work as a benefit - never any problems when needed! Reviewed on: 12th March 2016

CheekyCharges Campaigner

Used them for a few years with work as part of my health insurance benefit. Never had any problems! Reviewed on: 12th March 2016

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Aviva: Health insurance reviews

No new 5 star reviews

300% increase in 1 star reviews

Latest highest rating:

4

Latest lowest rating:

1

About this product

Aviva Health insurance reviews (195)

Horrendous. Utterly diabolic!

Sympathetic without being condescending

Linked Common Cold as pre conditon

Aviva health care

Brilliant

Fantastic health insurance

great service and even seem to care about the customer !

Recently claimed for pulling my back

Unbelievable

CheekyCharges Campaigner

CheekyCharges Campaigner

Do you have a different Aviva product?

Want to see more from Aviva?

Lifetime Mortgage

Landlord Insurance

Pet Insurance

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