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Aviva: Health insurance reviews

Name: Health insurance
Rating: 2.73 (217 reviews)

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2.73

Based on 217 reviews, last reviewed 1st Nov 2026

400% increase in 5 star reviews

in the past 90 days

150% 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:

2

Create frustration to push customer not to claim. it really seems to me that everything has been made, design to push customer away from making a claim, especially when the claim is not for you but fo... Read more Reviewed on: 1st November 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 (217)

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

AVOID AVOID AVOID - WORST HEALTH INSURANCE COMPANY EVER

Worst company ever to deal with, looked for every excuse under the sun not to help me when I needed them, I suffered for 2 years and they fobbed me off completely when it come to honouring my Health Insurance policy. Contacting them is useless, lthey leave you oh hold and then you get cut off. Tactics to delay and delay and not honour their insurance policy. Please avoid them, ive now switched to Bupa and it costs us £10 a month more but at least they are 10 x times better. Avoid this company and their policies like the plague, all they are interested in is taking your direc debit each month and when you need them, they do everything they can to dismiss you with any get out clause whatsoever. AVOID AVOID AVOID BE AWARE!!!! Reviewed on: 19th March 2024

Categorically the worst customer experience!

Categorically the worst customer experience I've had of any major compny. Expect minimum 30 mins hold for any call whether it be claim, customer services or other. Policy is misleading and customer agents are poorly trained and informed leading to confused and frustrating conversations. I had bogus claims appear on my file for things I'd never discussed with Aviva, and painful, relentless conversations with amateur call agents trying to get these resolved, and to get clarity on my account. Happily cancelling and would strongly advise to avoid like the plague! Company is too big. A classic 'shady' insurer, profit driven with little to no customer support. Reviewed on: 14th March 2024

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

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Aviva: Health insurance reviews

400% increase in 5 star reviews

150% increase in 1 star reviews

Latest highest rating:

4

Latest lowest rating:

2

About this product

Aviva Health insurance reviews (217)

Abysmal service - avoid!

AVOID AVOID AVOID - WORST HEALTH INSURANCE COMPANY EVER

Categorically the worst customer experience!

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

Do you have a different Aviva product?

Want to see more from Aviva?

Business Insurance

Annuity

Car insurance

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