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Aviva: Health insurance reviews

Name: Health insurance
Rating: 1.93 (191 reviews)

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1.80

Based on 191 reviews, last reviewed 16th Dec 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

18%

72%

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

Very bad experience with Aviva health insurance. Very bad experience with Aviva health insurance. My son was critically ill and admitted to hospital for three days after choking, which led to a card... Read more Reviewed on: 16th December 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 (191)

Review of the Aviva, Health insurance:

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

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

Old school Delay, Deny Defend insurance company. Avoid

Compared to BUPA or AXXA which I had in the past, Aviva is a joke. Most reputable health insurers will have its own private GPs that will get you seen within minutes and if needed referred to a specialist straight away. Furthermore, MSK problems will not even need a referral and will simply go through their internal system when you request to be seen by a specialist. They will just ask a few questions and give you the list of available specialist to pick from. Aviva is old school insurance company making it as difficult as possible to get approved needing NHS GPs to refer you to a specialist and then if they need more information they will ask you to ask your NHS GP to fill in a form. This means that you then need to wait NHS waiting times usually over a month, for your NHS GP to fill in the forms for them to make a decision whether to approve or not. What is even the point of going private if you will then need to get NHS GPs in the middle of it all? Our company is due for renewal of the policy and will see what offer Bupa has in place. Reviewed on: 6th January 2025

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

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

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