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Aviva: Health insurance reviews

Name: Health insurance
Rating: 1.94 (189 reviews)

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1.83

Based on 189 reviews, last reviewed 5th Sep 2025

50% decrease in 5 star reviews

in the past 90 days

50% 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

Excellent Value from Aviva.

I'm very pleased with my health insurance from Aviva. They offer great value for money, with a range of coverage options that meet my needs without breaking the bank. The customer service is outstanding—every time I've had a query or needed assistance, their team has been responsive, knowledgeable, and genuinely helpful. Claims are processed efficiently, and I always feel supported throughout the process. Overall, Aviva has delivered a reliable and stress-free experience, making me feel confident in my choice of health insurance provider. Highly recommended! Reviewed on: 4th September 2024

Aviva have always been amazing any time Iv rang emai...

Aviva have always been amazing any time Iv rang emailed or used the app for a question or putting in claim it was always dealt with efficiently professionally extremely supportive and helpful Reviewed on: 3rd September 2024

I have excellent cover for myself and two sons at a...

I have excellent cover for myself and two sons at a great price Reviewed on: 26th August 2024

Top range of services for health

I've been a corporate policy holder for over 15 years. Their service when I've had to claim is fantastic, including their back to better scheme for instant physiotherapy. Reviewed on: 24th August 2024

5 star service

Really helped us when we needed medical assistance Reviewed on: 24th August 2024

Breezy choice of health insurance

Customer service was excellent t in helping me to chose the type of health service that best suited my needs. I was assured that I would be able to look into my options again in the near future and decide about any changes I would want to make Reviewed on: 23rd August 2024

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

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