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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

You will need an hour or more to get through on the phone

I am a recent customer of Aviva health insurance. I have phoned them a number of times and actually got through three times. On each occasion they keep you waiting for an hour+ whilst listening to music and a voice telling you 'sorry' and that they will get through soon. They don't deserve our custom with such dreadful attitude to customers. I will be cancelling my insurance and moving to a company that does care. Reviewed on: 1st August 2023

Absolutely Useless

On hold now for over an hour, trying to get through for the past 2 days, total of 4 calls (a total of 4 hours spent trying to get through). The awful thing is think I should have stayed with the NHS, as would have got a better service. Thinking about reverting to them NHS. Every day counts, as opposed to having my time wasted by this useless company. Reviewed on: 28th July 2023

Good but not great

They covered most of what I wanted but inadequately Reviewed on: 28th July 2023

Like the rest of AVIVA - utterly dreadful

Having been with Simply Health (SH) for years and experiencing their exceptional service, coming to AVIVA was a dreadful shock. Impossible to speak to anyone, expect a minimum 1 hour on hold if you call. The portal is so basic and requires YOU to update all progress (SH it was automatically done). Invoices come to you so you have to forward them to AVIVA but this can't be done through the portal?? Doctor will be at one location however other treatments could be anywhere. You have to pay for prescriptions and as they are private they will be expensive. Everything seems to geared up to be awkward and troublesome, it is the standard insurance 'embuggerance'. We are off back to Simply Health. Avoid if you want a smooth clear and caring customer journey - sure not going to get it here! Reviewed on: 27th July 2023

terrible service

45 minutes - i'm still on hold now. i wasted 25 minutes on hold last Friday. need to make a claim on my policy. the chat bot service is useless, doesnt help at all. I will be cancelling all of my policies with Aviva Reviewed on: 24th July 2023

Impossible to get in touch about claim

Urgent claim has no response 5 days on. Getting in touch by phone - about to give up after 30 mins of music. Chat option does not work. Extremely poor. Reviewed on: 22nd July 2023

Good company

Needed to get this in order to secure a mortgage for my new property. The lady on the phone talked me through options very well, documentation sent. No problems. Would recommend Reviewed on: 21st July 2023

Customer call centre never answers.

It takes me more than 1 hour every time I am trying to get in touch with the customer service team. Awful. Reviewed on: 17th July 2023

Do not use this company

They never answer their phones & the only way to contact them is via a chat box that takes you in circles to ensure to never speak to anyone Reviewed on: 14th July 2023

Tried using them, counting the days on hold

Used them, well tried using them for the first time today, 45 minutes on hold, how long should you wait,1 hour, 3 hours? Don't waste your money paying for this private health care, it's slower than the NHS. Shall be chasing my refund straight away!! Reviewed on: 14th July 2023

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