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Aviva: Health Insurance reviews

Name: Health Insurance
Rating: 1.94 (186 reviews)

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1.79

Based on 186 reviews, last reviewed 1st Jul 2025

200% increase in 5 star reviews

in the past 90 days

14% decrease in 1 star reviews

in the past 90 days

18%

72%

Latest highest rating:

5

Very easy producure, making a claim, tracking the st... Very easy producure, making a claim, tracking the status online and always able to speak to someone if you have any questions. Reviewed on: 13th June 2025

Latest lowest rating:

2

Poor oncology team, poor communication style. I unfortunately had cancer and my local private hospital referred me to a London hospital because the only surgeon who did what I needed was there. Av... Read more Reviewed on: 1st July 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 (186)

Review of the Aviva, Health Insurance:

Shocking!

I have just had to cancel my AVIVA private health. It is the worst experience ever. When it came to a claim I had to wait up to 2+ hours on the phone, then they would not process the claim, I had to go through NHS (but continued to pay circa £299 a month but yet use the NHS! I appealed then they realised that I was in the right. They apologised and promised a £30 refund which I do not even know when I will receive this. I normally have BUPA or AXA PPP (which are much better). I will never take out an AVIVA policy again! steer clear of them! Reviewed on: 2nd December 2023

Make a claim impossible

I went to see gynaecologist and they gave me medicine that I had adverse affects so need to go back to get different meds. Aviva don’t read documents probably say this is an existing condition and say do not do not do pre existing which it was a new condition. Then they look at the medication and say your menopausal we don’t cover that. I prove I am not and the medication can be used for different things. Then they say you have a prolapse according to the consultant notes and they don’t read clearly because it doesn’t say that. Then they Me the boss who is looking through the paperwork is medical trained. No clearly not and Aviva have been told don’t do things that cost too much money and refuse this claim. Happy to take money but not for you to claim. First time getting private health care but for sure will not be getting Aviva again. But I not sure if all insurance companies are like this. I hope not as I need to try a different company. Reviewed on: 23rd October 2023

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

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