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Aviva: Health insurance reviews

Name: Health insurance
Rating: 1.93 (195 reviews)

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1.80

Based on 195 reviews, last reviewed 21st Feb 2026

100% decrease in 5 star reviews

in the past 90 days

100% 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

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

Aviva scam health insurance

Have been paying Aviva for health insurance for my family for over 10 years. First time I have ever tried to use it and beyond a digital gp appointment I have been unable to progress a claim. Meanwhile I’m 5 weeks post injury and not on any list to see specialist that was referred by digital gp appointment. Can’t get anyone on the phone to progress nor online. No customer services outside of Monday to Friday. A total con, I’ve spent in excess of £12000 over my time with them for gp appointment. Terrible. Reviewed on: 25th May 2025

Not worth, just headache and surprise bills.

I used Aviva as part of my work health plan. The excess to pay is ridiculous. £250 for a service that you can have exactly the same on NHS. Not worth using. Reviewed on: 16th May 2025

Wait times are shorter on the NHS!!

Aviva do everything and anything not to pay or refer you to needed services! Their turn around on decisions is appalling considering you go to them to because of the NHS waiting lists, and they always try not to move forward in supporting you. DO NOT BOTHER! Reviewed on: 13th May 2025

Had a really good experience with Aviva for my partn...

Had a really good experience with Aviva for my partners back operation. They paid for everything in full from start to finish, we did have to wait on the phone for about 30 mins initially but I guess that's better than the NHS wait times. In fairness we did speak to a comparison site initially so they could make sure we actually had the level of cover we needed with them. But anyway, all round, really impressed! Reviewed on: 10th May 2025

They do everything possible to make it hard to make...

They do everything possible to make it hard to make a claim. Won’t even accept andr letter for a referral, make you get the dr to complete another form they they charge for and takes ages to sort. The firm even won’t print ! Outrageous Reviewed on: 1st May 2025

Aviva is Useless at Providing

Aviva is a unless! When you actually need help, all you get is endless waiting, pointless admin, and zero support. I urgently needed to see a specialist — that's what private insurance is for, right? After nearly an hour on hold, I was told I needed my GP signature, even though it’s a three-week wait. an Aviva digital GP gave me a referral the next day, but Aviva still blocked me. They are quick to collect premiums but vanish when it’s time to deliver. Avoid Aviva if you value your health, your time, or your sanity. Hashtags: #AvivaFail #PrivateHealthScam #AvivaInsurance #CustomerServiceFail #HealthInsuranceScam #AvoidAviva #HealthcareNightmar Reviewed on: 28th April 2025

Hospital charged me a fortune, it was like a fraud,...

Hospital charged me a fortune, it was like a fraud, Aviva didn't provide the requested information, proof of payments they did, invoices from the hospital they received, they just do not want to really help you. They make you jump through so many hoops, I've phoned many times and it's always a bad experience. If it wasn't for my work i wouldn't have used them, now i need to pay about 1000k in total for just a simple health issue i had, cash back companies, are far better than Aviva. Reviewed on: 14th April 2025

Ignored, denied, any excuse not to help you.

Ignored, denied, any excuse not to help you. They make you jump through so many hoops, I've phoned them very confused about the delays and all the repeated questions and ended up hanging up in tears because it was so stressful. My work pay for my policy but I've cancelled it today because my NHS GP is far more helpful and quicker to respond. This company should be ashamed of themselves. Reviewed on: 11th April 2025

No respect for their customers

Yes another painful attempt to use my Aviva health insurance which is paid for by my company. They can't assess me for 3 days, I've already been in pain for 4 days. What's the point? These folk will do anything to avoid paying out - they frustrate you, run down the clock and make it difficult to access care. I've yet to have a trouble free claim with them. Reviewed on: 25th March 2025

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