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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

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

FAST TO ARRANGE

Found their quote to be the cheapest and it was quick and easy to buy online. hopefully I will not need to make a claim Reviewed on: 24th December 2015

Excellent, quick response

At work we have a Health policy with Aviva. I recently had to make a claim on it. Once the paperwork was across to them a customer representative called me to confirm my details and go through my claim. Once this was done I had a further call back in the afternoon saying that they need my notes to process the claim. This was done within 2 days, the next day they called to say that everything had gone through and that I could go ahead. They provided an excellent service within their Health Insurance department. Reviewed on: 30th August 2015

very good customer service

very good customer service and knowledgeable staff Reviewed on: 24th March 2015

Simplest claims process really helped when I most needed it!

I was flooded by a burst water main on my road. This was the first time this had happened, so naturally I was a bit distressed to say the least. Fortunately Aviva really helped me by making the process of claiming as easy as possible. I think having a claims manager that was responsible for my claim really helped, no need to get somebody new up to speed every time Reviewed on: 27th October 2014

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Aviva: Health insurance reviews

50% decrease in 5 star reviews

67% decrease in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Aviva Health insurance reviews (189)

Horrendous. Utterly diabolic!

Recently claimed for pulling my back

Unbelievable

CheekyCharges Campaigner

CheekyCharges Campaigner

FAST TO ARRANGE

Excellent, quick response

very good customer service

Simplest claims process really helped when I most needed it!

Do you have a different Aviva product?

Want to see more from Aviva?

Lifetime Mortgage

Landlord Insurance

Pet Insurance

Join Smart Money People

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