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Aviva: Health Insurance reviews

Name: Health Insurance
Rating: 1.94 (175 reviews)

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1.79

Based on 175 reviews, last reviewed 10th Feb 2025

100% decrease in 5 star reviews

in the past 90 days

600% 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

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-func... Read more Reviewed on: 10th February 2025

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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 (175)

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

Abysmal

If ever you are in need of healthcare this is not the insurance to have. Real time communication with a representative is nigh on impossible, the ChatBot worthless and response to online enquiries / requests take an inordinate period of time, e.g.: claim with GP referral letter submitted two weeks ago and still no response. Reviewed on: 11th October 2023

Absolute Disaster

If you want private healthcare then I suggest you stick with Bupa or Axa because at least these companies have people manning their phones ! I have spent hours on hold just trying to get through to someone ! They actually make the NHS look good ! So save your money or get a policy with a company that offers a service. Reviewed on: 3rd October 2023

Absolutely shocking. Impossible to get authority for a claim. Constantly looking for a reason not to pay

Aviva is absolutely shocking. Made me drive 3 hours to see a Specialist at a different Hospital. Messes us around with authority for our son, then messed us around with a claim form for our daughter, still havbt got authority numbers for either. Any excuse not to authorise or pay. Awful awful awful Reviewed on: 29th September 2023

claim

extremely poor service,they just dont want to approve a claim Reviewed on: 28th September 2023

Great

Good value health products, dealt with professionally. Reviewed on: 26th September 2023

Need to be dead before they pay

You pretty much need to be dead before they’ll honour a claim. They also need to update their medical terminology. I have two children I attempted to claim for; one has juvenile idiopathic arthritis, said they only pay for rheumatoid arthritis. Explained that’s exactly what it is only as she’s under 16 it’s called JIA. Fast forward- still won’t pay because despite having to adapt our home, employ a private tutor, give up one salary to be a full time carer as she’s not totally bed bound and can lift a glass of water she’s not sick enough! Son, 9, diagnosed with Type 1 diabetes. Only cover you for type 1 diabetes if you’re over 40!! Reviewed on: 20th September 2023

THIS IS A DISGRACE - TOTAL LACK OF ANY FORM OF CUSTOMER SERVICE OR RESPECT FOR THE CUSTOMER

So far I have spent a total of 5 hours hanging on for Aviva Health Cares non-existent "Customer Service", and this is just to try & get an authorisation code. Why do I have to speak (fat chance) to an uninformed call centre operative & not someone with recognised medical.knowledge. 5 weeks later, 5 unsatisfactory phone calls and endless filling in of the hopeless online form later, I still don't have a number for my treatment tomorrow. Why on earth can't I scan all the supporting paperwork to Aviva? Why can't they read the forms I fill in and not send requests 3 days later for info already supplied? Why do they close at 5pm?? Just who is accepting this rubbish masquerading as a service. I've been with 4 private medical ins companies in the past 55 years and Aviva is unrecognisable as a service of any kind. I suspect this is to discourage anyone from making a claim!. Reviewed on: 18th September 2023

Absolutely impossible to get through to speak to someone at a time I urgently need to organise health care

Shocking service! Despite texts to the chat box thing, emailing complaints and customer service I am now on hold for over 40 minutes for the 3 time this week and this is how it has been every time i have ever tried to call. I was told months ago they were short staffed yet they are happy to put my premiums up. I hope my company cancel thousands of employee subscription subsidies to Aviva and we switch to the competitor who actually respond to calls and are better rated. Reviewed on: 7th September 2023

Try making a claim

Ring at 1730 some 60 minutes before they close and hold on the line until 1800 when you get told your call will not be answered before we close at 1830 so ring tomorrow. When you call the next day early morning you get placed on hold and constantly get asked if you would like to be called back if so press one or press 2 to continue to hold. If you continue to hold there will come a time after about 45 minutes when you will get cut off. If you want them to ring you back be sure to be available for some hours or you will miss the call. It looks as if they are completely understaffed to deal with calls and one suspects some of their staff are probably still working from home. This company is happy to take your money but NOT PROVIDE SERVICE Reviewed on: 5th September 2023

Health Insurance

Very happy to deal with this company as they are also easy to deal with needs via the phone. Reviewed on: 1st September 2023

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