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Aviva: Health insurance reviews

Name: Health insurance
Rating: 1.89 (199 reviews)

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1.89

Based on 199 reviews, last reviewed 16th Apr 2026

300% increase in 5 star reviews

in the past 90 days

50% increase in 1 star reviews

in the past 90 days

19%

71%

Latest highest rating:

5

Easy to change coverage I added some extra coverage to my policy, the process was easy and the switchover from my old policy went through with no issues, it's good value for ... Read more Reviewed on: 16th April 2026

Latest lowest rating:

1

Aviva - avoiding supporting customers whenever possi... Aviva - avoiding supporting customers whenever possible. They will take any and every opportunity to delay, confuse, blame historic and anatomically-... Read more Reviewed on: 9th April 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 (199)

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

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

Would give zero if that was an option

Impossible to get through. Complete joke of a service Reviewed on: 27th November 2023

Terrible Service

Impossible to get through to Aviva over the phone to make or follow up a claim. Exhausting and intrusive claims process even when pre existing conditions are covered through a group policy and the icing on the cake - poor coverage. Do Not USE Reviewed on: 4th November 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

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