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Aviva: Health insurance reviews

Name: Health insurance
Rating: 1.83 (196 reviews)

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1.83

Based on 196 reviews, last reviewed 21st Mar 2026

100% increase in 5 star reviews

in the past 90 days

50% increase in 1 star reviews

in the past 90 days

18%

72%

Latest highest rating:

5

Really easy set up that helped me pick the right pla... Really easy set up that helped me pick the right plan for what I needed. Reviewed on: 21st March 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 (196)

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

Health Insurance

Very happy to deal with this company as they are also easy to deal with needs via the phone. Reviewed on: 1st September 2023

Aviva Life and Pensions

Money for value for your Life Insurance and Pensions Reviewed on: 30th August 2023

No point of contact

You could possibly be dead before this company answers your call how despicable of this company to have your money's every month for as much as 3 decades as they've had my money and not have in place a professionalism system to call patients back Do not insure with Aviva . Reviewed on: 28th August 2023

Efficient but with a focus on customer service.

Aviva has made the customer the centre of the their coverage, knowing peace of mind is essential when it comes to health insurance. This has created a strong product that provides cover for the most important times for an insureds life. Reviewed on: 23rd August 2023

Aviva review

Responsive in a crisis. They also have great benefits such as the virtual GP. Reviewed on: 23rd August 2023

Can not get hold of anyone

They say avoid the queues but if you can’t get through on the phone it’s useless Reviewed on: 22nd August 2023

Can't get through to anyone

What are we actually paying for? I'm not convinced there's anyone there. I've called so many times, each time I'm on hold for more than an hour and I have to end the call as I have other commitments to attend to, and then today after waiting over an hour they cut me off. Twice. The live chat box just says "We have a live chat team available Mon-Fri 8am-6:30pm and Sat 9am-1pm. Unfortunately, they're busy right now, so we won't be able to connect you to an agent. Give us a ring instead on 0800 051 0929." Angry doesn't come close to how I feel about them. They are charging for a service that is simply not fit for purpose. Reviewed on: 16th August 2023

Terrible customer service

Have spent around 5 or 6 hours over last two weeks trying to get through by phone. On line forms submitted - no response. Chatbot unable to answer questions I need answered about my policy, about claiming etc etc eventually submitted a claim but now need to query the response - nightmare service, and it’s costing me money. Reviewed on: 10th August 2023

Lack of Customer Support

I am on hold now. Been waiting nearly one hour for a simple request. I have asked online, email, chat, etc. without any luck. So now I am trying phone support. I just need a copy of my monthly bill. How hard can that be? Worst support ever. Canceling policy. Reviewed on: 4th August 2023

Will cancel on renewal

So took medical insurance out with aviva ,had a medical claim to make on a new condition I had ,and basically put everything in my path they could to make a claim ,so am paying myself now. Reviewed on: 3rd August 2023

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