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Review of the Aviva, Health Insurance:

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Old school Delay, Deny Defend insurance company. Avoid

Compared to BUPA or AXXA which I had in the past, Aviva is a joke. Most reputable health insurers will have its own private GPs that will get you seen within minutes and if needed referred to a specialist straight away. Furthermore, MSK problems will not even need a referral and will simply go through their internal system when you request to be seen by a specialist. They will just ask a few questions and give you the list of available specialist to pick from. Aviva is old school insurance company making it as difficult as possible to get approved needing NHS GPs to refer you to a specialist and then if they need more information they will ask you to ask your NHS GP to fill in a form. This means that you then need to wait NHS waiting times usually over a month, for your NHS GP to fill in the forms for them to make a decision whether to approve or not. What is even the point of going private if you will then need to get NHS GPs in the middle of it all? Our company is due for renewal of the policy and will see what offer Bupa has in place. Reviewed on: 6th January 2025

jcm

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