Write a review

Newsletter

Go to business site

Aviva: Health insurance reviews

Name: Health insurance
Rating: 2.68 (218 reviews)

View other Aviva products

2.68

Based on 218 reviews, last reviewed 5th Nov 2026

400% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

20%

69%

Latest highest rating:

4

Health insurance Easy to use website and full of information. Easy to navigate around. Reviewed on: 13th October 2026

Latest lowest rating:

1

A pattern of delay while patients wait I've had Aviva private medical insurance since July 2025. I've made two significant claims, and both followed the same pattern: delay, missed deadline... Read more Reviewed on: 5th November 2026

Read all reviews Write a review

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.

Review Aviva: Health insurance now

Help others make smarter decisions by sharing your own experience.

Write a review

Aviva Health insurance reviews (218)

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

Non-functional App. Non-existent customer service

We have had Aviva for around 10 months and all was well. In the last two weeks we have tried to book a doctor’s appointment and found the app non-functional. Two calls and numerous emails have resulted in nothing, just broken promises. A doctor’s appointment was arranged by email and Aviva even suggested emailing pictures of the ailment to a generic email address and then the email would be passed on to the doctor. This is a medical insurer? Really? Reviewed on: 10th February 2025

Abysmal service - avoid!

My broker found me this policy, and I decided to proceed. I contacted them not long after policy started, and after 2 calls, waiting for over 45mins - I opted for a callback, which after a week never appeared. I’m afraid for £175 per month, I used this as a sign that I shouldn’t proceed with the policy so cancelled the DD. 1 month later they wrote asking to me complete a new DD mandate. I wrote back advising of the terrible service, to which they just cancelled the policy. A lucky escape and won’t touch them again either a barge-pole for any other policy. Reviewed on: 9th February 2025

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 policy, and I told the doctor that. Completely unrelated to my current claim, but now denied. Waste of money. Reviewed on: 24th January 2025

Absolutely useless.

Absolutely useless. Not worth it in the slightest and I get it for free through work. #FreeLuigi Reviewed on: 20th January 2025

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

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 Westfield Health 4.12 from 2 reviews
Health Insurance
from Prudential 4.00 from 1 reviews
Health Insurance
from APRIL UK 4.12 from 2 reviews

Want to see more from Aviva?

Business Insurance
from Aviva 4.31 from 11 reviews
Annuity
from Aviva 4.30 from 18 reviews
Car insurance
from Aviva 4.25 from 627 reviews

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