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Aviva: Health insurance reviews

Name: Health insurance
Rating: 1.78 (195 reviews)

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1.78

Based on 195 reviews, last reviewed 21st Feb 2026

No new 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

18%

72%

Latest highest rating:

4

Good website easy to navigate. Good website easy to navigate. Good products Reviewed on: 21st February 2026

Latest lowest rating:

1

Through my employer I was a group scheme member BUT Through my employer I was a group scheme member. I was asked to submit both an invoice and a receipt for a pacemaker check. This I did on 22/12/2025. ... Read more Reviewed on: 9th February 2026

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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 (195)

Review of the Aviva, Health insurance:

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

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

Impossible to contact

Impossible to contact by phone and no response to web enquiry after 4 days. Pointless. Wasted money. Time to move supplier Reviewed on: 23rd February 2024

Worse than poor

I have to agree with all of the negative reviews I’ve read so far. If you need medical attention, I can’t imagine a more depressing process than the shambles of a service that Aviva have provided for my wife and myself. They keep you at arms length with useless bots answering calls and all other contact being painfully slow or not happening at all. Reviewed on: 22nd February 2024

Impossible to contact

It's not much good if you can't actually make a claim because they won't pick up the phone. 90mins on hold so far! I could train as a doctor myself at this rate... The automated system said they would call back, but that never happened. They only email you from an address that you can't reply to and tell you to fill in an online form, which they then don't respond to! Something seriously wrong at Aviva. Reviewed on: 9th February 2024

Need reporting to ombudsman.

I’ve had this health insurance since December 2020, never claimed with them, in November 2023, I enquired about a health problem. I could not get through , for days, plus, left on hold for unacceptable time, and more frustrating, when the recorded message says they will be with me shortly!! When I managed to get through, the lady was harsh, and rude, I was only really enquiring, as I didn’t know what I was going to do. I ended the call, when the lady told me abruptly, just answer yes or know!! I cancelled my direct debit . One funny thing is, ring aviva , as if you wish to purchase health insurance, guess what, they answer immediately. Imagine having bad news regarding your health, and Gou through the additional stress trying to speak to these people. Absolute disgrace of a place. Took all that money, no help whatsoever, not just me either, by the looks of things. They need reporting to the ombudsman, I may still do that. Reviewed on: 8th February 2024

Rubbish - go to BUPA or AXA instead

Rubbish. Impossible to get through to on the phone and their list of specialist that they allow is so limited you may as well just stick with the NHS. Terrible insurance policy Reviewed on: 6th February 2024

Biggest waste of money

I've had health insurance with Aviva since I was a child. Not my choice, I refuse to pay for it but my dad still insists on paying the extortionate yearly fee in case of emergencies, (he cancelled his and my mum's many years ago). I have never once used it or claimed anything. I've started getting health issues in the past few years so thought I might as well make use of the expensive health insurance to beat the extremely long waiting lists on the NHS. For starters I end up having to sit on the phone for over an hour every time I want to make a claim. Then end up speaking to someone who knows absolutely nothing about what I'm calling about and I'm back in another queue to speak to another department. To then be told that they don't cover that because of company policy, the T's and C's, it's a long term condition (for something I've not yet been officially diagnosed with), it's pre existing, etc etc. There is always an excuse as to why I can't claim and I end up having to go through the NHS because I can't afford to pay for private care myself. What happens then with the thousands of pounds that have been paid for a health insurance I can't even use? Biggest waste of money that just goes straight down the drain. Coincidentally I also had to cancel my car insurance with Aviva because they inflated it so much last year. Now with AXA for the car and at the mercy of the NHS for health. Reviewed on: 31st January 2024

Cancelling, waste of time and money!

I am in the process of cancelling our Aviva Health Insurance policy. Complete waste of time and money. The Digital GP thing sucks too! My 17 yr old daughter used it before Christmas rather than ring out of hours when she had recurring tonsillitis yet again. They looked at her throat on video and grumpily told her she was fine. Following morning she went to GP - she was not fine at all. She has been referred for a tonsillectomy. I rang them at 8:35 am today (their lines open at 8:30am) and 25 minutes on hold later I get through, only to be told that they won't cover the tonsillectomy because she had tonsillitis as a 12 yr old therefore it is a pre existing condition. I told them that is ridiculous, every child gets tonsillitis during their childhood but they won't listen. Any excuse not to pay. Avoid! Reviewed on: 26th January 2024

I gave 1 star because there is no 0 .

I gave 1 star because there is no 0 ... I have waited for 1h30mn to cancel my policy and the lady on phone told me that I should send a letter by post to confirm my decision.... What a waiste of time. Reviewed on: 25th January 2024

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Aviva: Health insurance reviews

No new 5 star reviews

300% increase in 1 star reviews

Latest highest rating:

4

Latest lowest rating:

1

About this product

Aviva Health insurance reviews (195)

Abysmal service - avoid!

Impossible to deal with -

Aviva are Unresponsive and unprofessional

Impossible to contact

Worse than poor

Impossible to contact

Need reporting to ombudsman.

Rubbish - go to BUPA or AXA instead

Biggest waste of money

Cancelling, waste of time and money!

I gave 1 star because there is no 0 .

Do you have a different Aviva product?

Want to see more from Aviva?

Lifetime Mortgage

Landlord Insurance

Pet Insurance

Join Smart Money People

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