Write a review

Aviva: Health Insurance reviews

Name: Health Insurance
Rating: 1.95 (173 reviews)

View other Aviva products

1.82

Based on 173 reviews, last reviewed 24th Jan 2025

100% decrease in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

18%

73%

Latest highest rating:

5

I’d like you to contact me about life insurance I’d like you to contact me about life insurance Reviewed on: 9th September 2024

Latest lowest rating:

1

Crap. Will deny on any basis. Crap. Slow to reponse to claims, and take any excuse to deny a claim. Mine was denied as I had been tired at some point the past 5 years before my pol... Read more Reviewed on: 24th January 2025

Read all reviews See your review

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 (173)

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

Hard to Reach!

Aviva are impossible to contact - after nearly an hour on the phone I resorted to email - they have very slow response times on that. I understand they were short of staff and recruiting at the time so I moved away from them. Reviewed on: 21st June 2024

Zero Excess. Great customer service.

I have my children covered by a health insurance policy. My 19 yr old daughter fell ill and needed some treatment. Following a very simple claims process, and without any excess, she was put together with a treatment provider who was able to manage the treatment and co-ordinate with the insurer to extend as necessary until she was well enough to continue without. Reviewed on: 28th May 2024

Excellent management dealing with my health claim

Dealt with my ongoing debilitating health issue with great ease and comfort and reassured me very well. I felt heard and understood. Emily Royle was my expert t claim associate who was absolutely brilliant, very professional and very assuring in every aspect. She dealt with my issue seamlessly - thank you so much Aviva I will be highly recommending you! Reviewed on: 29th April 2024

Shocking company.

Shocking company. I've been trying for a week to get through and simply change direct debit details. You have no chance of speaking to anyone. Cancelling my policy now because if I ever needed them I couldn't go through this ordeal. Reviewed on: 22nd April 2024

The poorest customer service I’ve experienced

The poorest customer service when you need to make a claim. If you use their Aviva app as they ask it takes min 72hrs for a response. Alternatively you telephone and your wait time is between 25-30mins for an answer. No apology for your long wait is offered and the speed, efficiency and competence shown by then is totally unacceptable. Having been with Saga previously I’ve been over promised by Aviva Health they were comparable if not better. Sorry I moved my Healthcare business to them. Even when you get through, you are placed on hold continuously even when you are just updating them following your consultant visit which they insist on. I’ve complained and told there was a 3 day SLA before anyone contacts me to discuss. Received no phone call after 7 days, got email saying they are investigating and will return. Not sure how given no-one has even taken the time or trouble to call. So poor. Reviewed on: 9th April 2024

Waste of money

I have an urgent referral, the first appointment they can provide is July (3 months away). They are almost impossible to contact, the chatbot sends you round in circles, never providing an answer. The update on "my claim" forms aren't responded to and it's a 45 minute wait on the phone. Absolutely hopeless. Reviewed on: 4th April 2024

AVOID AVOID AVOID - WORST HEALTH INSURANCE COMPANY EVER

Worst company ever to deal with, looked for every excuse under the sun not to help me when I needed them, I suffered for 2 years and they fobbed me off completely when it come to honouring my Health Insurance policy. Contacting them is useless, lthey leave you oh hold and then you get cut off. Tactics to delay and delay and not honour their insurance policy. Please avoid them, ive now switched to Bupa and it costs us £10 a month more but at least they are 10 x times better. Avoid this company and their policies like the plague, all they are interested in is taking your direc debit each month and when you need them, they do everything they can to dismiss you with any get out clause whatsoever. AVOID AVOID AVOID BE AWARE!!!! Reviewed on: 19th March 2024

Categorically the worst customer experience!

Categorically the worst customer experience I've had of any major compny. Expect minimum 30 mins hold for any call whether it be claim, customer services or other. Policy is misleading and customer agents are poorly trained and informed leading to confused and frustrating conversations. I had bogus claims appear on my file for things I'd never discussed with Aviva, and painful, relentless conversations with amateur call agents trying to get these resolved, and to get clarity on my account. Happily cancelling and would strongly advise to avoid like the plague! Company is too big. A classic 'shady' insurer, profit driven with little to no customer support. Reviewed on: 14th March 2024

Impossible to deal with -

Impossible to contact (30/45 min wait on phone), only then to be told that the answer is on the website (which it wasn't). They lost documents. They refused to speak to me about my wife's claim saying that she had not authorised it (when she had - and they later accepted that fact). AND READ THE SMALL PRINT. the standard policy only allows £500 for outpatients visits. So that is £250 to see the surgeon before and £250 for a check up after - and that is your £500 used up. Other check up visits to the surgeon/ physio etc are not covered. If you are wanting health insurance look at BUPA - same price and full cover. Reviewed on: 12th March 2024

Aviva are Unresponsive and unprofessional

I sent a claim to Aviva by email and I got a response from their office in India with a poorly worded email asking for more details of which I did send back. Since then I have gotten no updates on my claim and not even a claim number / reference despite me emailing continuously asking for an update. It's been around 2 months now . This is very unprofessional and extremely disappointing seen as though I am paying for this service. I am now going to complain to the financial ombudsman. Reviewed on: 2nd March 2024

Do you have a different Aviva product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Health Insurance
from Saga 4.52 from 94 reviews
Health Insurance
from APRIL UK 5.00 from 2 reviews
Health Insurance
from HSA 4.50 from 2 reviews

There's still more to see!

Aviva has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub