Individual Private Health Insurance

Our private health insurance benefits

• Up to 40% discount at selected gyms
• MyHealthCounts – helping you to enjoy better health – and lower premiums
• Up to a 66% no claim discount** from day one of your private health insurance policy
• Cover yourself and your eldest child under 20 and all younger children are covered FREE
• Fast private medical treatment over 300 private hospitals around the UK at a time and location you choose

Why choose Aviva for your private health insurance policy

We already know that what you want from a private health insurance policy is fast access to private hospitals at a time and place that suits you. We also know that, as far as health insurance policies go, it's definitely not a case of ‘one size fits all’.

That’s why, with our Healthier Solutions product, we let you tailor your policy to your own needs, and your own budget. Read on to see the options available.

Our private health insurance core cover

Everyone starts with core cover. This includes access to hospitals on our key hospital list

What is covered

Healthier Solutions core cover offers extensive benefits that are usually associated with private health insurance, even if you choose not to add any other options.

Summary of Benefits:

• Hospital charges
• Specialists' fees
• Diagnostic tests
• Radiotherapy/chemotherapy

Full details of standard cover and exclusions are given in the policy wording. Non standard terms may apply.

What is not covered

There are some common conditions that Private Health Insurance will not cover you for:

• Pre-existing conditions
• Long term or chronic conditions
• Alcohol, drug or solvent abuse
• HIV/AIDS

For full details of exclusions, please read our terms and conditions booklet which can be found on this page. Please be aware that non-standard terms may apply.

Key Hospital List

With access to over 300 hospitals nationwide on our core cover, our key hospital list is shown below:

England:

Bedfordshire

• Bedford Hospital
• BMI The Manor Hospital
• Luton & Dunstable Hospital - Cobham Clinic

Berkshire

• Berkshire Independent Hospital
• Spire Dunedin Hospital
• Spire Thames Valley hospital
• Wexham Park Hospital - Paragon Suite
• BMI The Princess Margaret Hospital

Bristol

• Spire Bristol Hospital
• Bristol Eye Hospital
• General Hospital
• Nuffield Health Bristol Hospital
• Royal Hospital for Sick Children
• Royal Infirmary

Buckinghamshire

• Stoke Mandeville Hospital
• BMI The Chiltern Hospital
• BMI The Shelburne Hospital
• BMI The Saxon Clinic

Cambridgeshire

• Addenbrookes Hospital
• Spire Cambridge Lea Hospital
• Nuffield Health Cambridge Hospital
• Linia Cromwell Hospital
• Papworth Hospital - Varrier Jones Ward
• Fitzwilliam Hospital

Cheshire

• BMI The Alexandra Hospital
• Nuffield Health Grosvenor Hospital(Chester)
• BMI The South Cheshire Private Hospital
• Regency Hospital
• Spire Regency Hospital
• Spire Cheshire Hospital

Cleveland

• Nuffield Health Hospital Tees

Cornwall

• Duchy Hospital

Cumbria

• Abbey Caldew Hospital

Derbyshire

• Chesterfield Royal Hospital - BMI Chatsworth Suite
• Nuffield Health Derby Hospital

Devon

• North Devon District Hospital - Roborough Suite
• Nuffield Health Exeter Hospital
• Royal Devon & Exeter Hospital
• Derriford Hospital - The Meavy Clinic
• Nuffield Health Plymouth Hospital
• Mount Stuart Hospital

Dorset

• Nuffield Health Bournemouth Hospital
• BMI Winterbourne Hospital
• BMI The Harbour Hospital

Durham

• Woodlands Hospital

Essex

• Spire Hartswood Hospital
• Nuffield Health Brentwood Hospital
• Holly House Hospital
• Springfield Hospital
• Oaks Hospital
• King George Hospital
• Spire Roding Hospital
• Spire Wellesley Hospital

Gloucestershire

• Nuffield Health Cheltenham Hospital
• General Hospital - Montpellier and Knightsbridge Wards
• Gloucestershire Royal Hospital - Gloucester Ward
• Winfield Hospital

Greater Manchester

• BMI The Beaumont Hospital
• Spire Manchester Hospital
• Christie Hospital - Nathan House
• Duchess of York Childrens Hospital
• Manchester Childrens Hospital NHS Trust - (incorporating Booth Hall & Royal Manchester ChildrensHospital)
• Manchester Royal Eye Hospital - Centre for Vision
• Manchester Royal Infirmary
• St. Mary's Hospital for Women and Children
• Royal Oldham Hospital
• BMI The Highfield Hospital
• Hope Hospital
• Oaklands Hospital

Hampshire

• BMI The Hampshire Clinic
• Nuffield Hospital Hampshire Health
• Spire Portsmouth Hospital
• Queen Alexandra Hospital
• St. Mary's Hospital
• Spire Southampton Hospital
• General Hospital
• Royal South Hampshire Hospital
• BMI Sarum Road Hospital

Herefordshire

• Nuffield Health Hereford Hospital (Wye Valley)

Hertfordshire

• Spire Harpenden Hospital
• Pinehill Hospital
• Rivers Hospital
• Spire Bushey Hospital

Isle of Wight

• St. Mary's Hospital - Mottistone Suite

Kent

• BMI The Sloane Hospital
• BMI The Chaucer Hospital
• Kent & Canterbury Hospital
• BMI Chelsfield Park Hospital
• Darent Valley Hospital - The Redwood Rooms
• BMI Fawkham Manor Hospital
• Spire St. Saviours
• BMI The Somerfield Hospital
• Queen Elizabeth the Queen Mother Hospital - Spencer Wing
• Bromley Private Patient Unit
• Spire Tunbridge Wells Hospital
• Nuffield Health Tunbridge Wells Hospital
• Spire Alexandra Hospital

Lancashire

• BMI The Beardwood Hospital
• Blackpool Victoria Hospital
• Spire Fylde Coast Hospital
• Abbey Gisburne Park Hospital
• Euxton Hall Hospital
• BMI The Lancaster Hospital
• Renacres Hospital
• Fulwood Hospital
• Wrightington Hospital - John Charnley Wing

Leicestershire

• Hinckley & District Hospital
• Nuffield Health Leicester Hospital
• Spire Leicester Hospital

Lincolnshire

• Pilgrim Hospital - The Bostonian
• St. Hugh's Hospital
• BMI Lincoln Hospital

London

• BMI The Blackheath Hospital
• BMI Weymouth Hospital
• British Hernia Centre
• Charing Cross Hospital
• Chelsea & Westminister Hospital - Chelsea Wing
• BMI The Garden Hospital
• Great Ormond Street Childrens Hospital - International and Private Patients' Unit
• Guys Hospital - Guys Nuffield House
• Hammersmith Hospital - The Robert and Lisa Sainsbury Wing
• Harley Street on 15 at University College Hospital (UCLH)
• The Heart Hospital
• Highgate Hospital
• Hospital of St John & St. Elizabeth
• Hospital for Tropical Diseases
• Kings College Hospital - Guthrie Clinic
• London Chest Hospital
• BMI The London Independent Hospital
• Moorfields Eye Hospital - Cumberlege Wing
• National Hospital for Neurology and Neurosurgery - Nuffield Ward
• North Middlesex Hospital
• Parkside Hospital
• Queen Charlotte's Hospital - Sir Stanley Clayton and Sir Comyns Berkley Wards
• Royal Brompton National Heart and Lung Hospital - Sir Reginald Wilson Ward
• Royal Free Hospital
• Royal Marsden Hospital - Granard House
• Royal National Throat, Nose and Ear Hospital
• St. George's Hospital
• St. Mary's Hospital - Lindo Wing
• St. Thomas' Hospital - Westminster Suite
• Western Ophthalmic Hospital

Merseyside

• University Hospital of Aintree - Sefton Suite
• Liverpool Women's Hospital
• Spire Royal Liverpool Hospital
• Royal Liverpool Hospital
• Royal Liverpool Children's Hospital (Alder Hey)
• St. Paul's Eye Hospital
• Fairfield Independent Hospital
• Spire Murrayfield Hospital

Middlesex

• BMI The Kings Oak Hospital
• BMI The Cavell Hospital
• BMI The Clementine Churchill Hospital
• Northwick Park & St. Marks Hospitals
• BMI Bishops Wood Hospital
• Royal National Orthopaedic Hospital - Ian Monro/Philip Newman Wards

Norfolk

• James Paget Hospital - Charnwood Suite
• BMI The Sandringham Hospital
• Spire Norwich Hospital
• Norfolk and Norwich University Hospital - Cringleford Private Patients' Unit

Northamptonshire

• Woodland Hospital
• General Hospital
• BMI Three Shires Hospital

Nottinghamshire

• BMI Park Hospital
• Nottingham Woodthorpe Hospital
• Queen's Medical Centre

Oxfordshire

• BMI The Foscote Private Hospital
• Horton General Hospital
• Churchill Hospital
• John Radcliffe Hospital - Isis Suite
• Nuffield Health Oxford Hospital(The Manor)
• BMI Oxford Clinic for Specialist Surgery
• Radcliffe Infirmary

Shropshire

• Robert Jones and Agnes Hunt Orthopaedic Hospital - Ludlow Ward
• Nuffield Health Shrewsbury Hospital
• Princess Royal Hospital - Apley Ward

Somerset

• BMI Bath Clinic
• Nuffield Health Hospital Taunton
• Taunton and Somerset Hospital - Parkside Suite
• Weston General Hospital - Waterside Suite
• Yeovil District Hospital - Kingston Ward

Staffordshire

• Burton Hospital - The Burton Clinic
• Nuffield Health Hospital North Staffordshire
• Rowley Hospital

Suffolk

• BMI Bury St. Edmunds Hospital
• Nuffield Health Ipswich Hospital

Surrey

• Ashtead Hospital
• St. Helier Hospital
• North Downs Hospital
• BMI The Runnymede Hospital
• BMI Shirley Oaks Hospital
• Epsom General Hospital - Northey Suite
• Spire Clare Park Hospital
• Frimley Park Hospital - Parkside Suite
• Nuffield Health Guildford Hospital
• BMI Mount Alvernia Hospital
• Spire Gatwick Park Hospital
• Kingston Hospital - Coombe Wing
• New Victoria Hospital
• St. Anthony's Hospital
• Royal Marsden Hospital - Robert Tiffany Ward
• Nuffield Health Woking Hospital

Sussex - East

• Royal Sussex County Hospital
• Nuffield Health Brighton Hospital
• Horder Centre for Arthritis
• Eastbourne District General Hospital - Michelham Private Patients' Unit
• BMI The Esperance Private Hospital
• Spire Sussex Hospital

Sussex - West

• Nuffield Health Chichester Hospital
• St Richard's Hospital - The Chichester Suite
• BMI McIndoe Hospital
• Nuffield Health Haywards Heath Hospital
• BMI Goring Hall Hospital
• Worthing Hospital - The Downlands Suite

Tyne & Wear

• Freeman Hospital
• General Hospital
• Nuffield Health Newcastle-upon-Tyne Hospital
• Royal Victoria Infirmary - The Bishop Ward
• Spire Washington Hospital

Warwickshire

• Nuffield Health Warwick Hospital
• Warwick Hospital

West Midlands

• Birmingham Women's Hospital
• Children's Hospital
• Royal Orthopaedic Hospital
• BMI The Meriden Hospital
• BMI The Priory Hospital
• Queen Elizabeth Hospital - The Edgbaston Suite
• West Midlands Hospital
• Spire Little Aston Hospital
• Spire Health Parkway Hospital
• Nuffield Health Wolverhampton Hospital
• BMI The Edgbaston Hospital

Wiltshire

• New Hall Hospital
• The Great Western Hospital - The Shalbourne Suite
• BMI The Ridgeway Hospital

Worcestershire

• BMI The Droitwich Spa Private Hospital
• Spire South Bank Hospital

Yorkshire - East Riding of

• Spire Hull and East Riding Hospital

Yorkshire - North

• Harrogate District Hospital - Harlow Ward
• BMI The Duchy Hospital
• Nuffield Health York Hospital

Yorkshire - South

• Park Hill Hospital
• Birkdale Clinic
• Children's Hospital
• Claremont Hospital
• Jessop Wing Women's Hospital
• Northern General Hospital
• Royal Hallamshire Hospital
• BMI Thornbury Hospital
• Weston Park Hospital

Yorkshire - West

• Yorkshire Clinic
• Bradford Royal Infirmary - York Suite
• Spire Elland Hospital
• BMI The Huddersfield Hospital
• Airedale General Hospital - Ward 19
• Spire Leeds Hospital
• Cookridge Hospital
• Leeds General Infirmary
• Spire Methley Park Hospital
• Nuffield Health Leeds Hospital
• St. James's University Hospital
• Wharfedale General Hospital

Channel Islands:

• Princess Elizabeth Hospital
• Bon Air Nursing Home
• General Hospital

Isle of Man:

• Nobles Hospital

Northern Ireland:

• North West Independent Clinic
• City Hospital
• Mater Infirmorum Hospital
• Royal Hospital for Sick Children
• Royal Victoria Hospital
• Ulster Independent Clinic
• Craigavon Area Hospital
• Dundonald Ulster Hospital
• Altnagelvin Area Hospital

Scotland:

• BMI The Albyn Hospital
• Vale of Leven District General Hospital
• Abbey Carrick Glen Hospital
• Golden Jubilee National Hospital
• BMI The Fernbrae Hospital
• Spire Murrayfield Hospital
• Western General Hospital
• Nuffield Health Glasgow Hospital
• BMI Ross Hall Hospital
• Southern General Hospital
• Victoria Infirmary
• Raigmore Hospital
• Abbey King's Park Hospital
• Royal Infirmary

Wales:

• Nevill Hall Hospital - Glan Usk Suite
• Bronglais General Hospital
• Princess of Wales Hospital - The Bridgend Clinic
• Spire Cardiff Hospital
• BMI Werndale Private Hospital
• West Wales General Hospital
• Withybush General Hospital
• St. Joseph's Private Hospital
• Glan Clwyd Hospital
• Sancta Maria Hospital
• Spire Yale Hospital

Ways to increase your private health insurance cover

Other treatment and therapies

For just a little extra on your premium a month, we can give you a health policy that covers you for complementary treatments such as physiotherapy, acupuncture and chiropractic treatment. This way your GP can refer you straight away, without having to see a specialist first. This option also qualifies you for our Back-Up service.

Dental and optical

Although our core cover includes cover towards surgical procedures to teeth and some ophthalmic procedures, you can also choose additional health care benefits that help with the cost of routine dental expenses, accidental dental injuries and optical expenses.

Psychiatric cover

You can now get private health cover for in or day–patient treatment if you're diagnosed with a psychiatric condition.

Extended hospital list

This increases the number of hospitals you have access to.

If you chose this option, the following hospitals would all be available to you as well as all the hospitals stated on our key hospital list.

• Bupa Cromwell Hospital
• Harley Street Clinic
• King Edward VII's Hospital - Sister Agnes
• Lister Hospital
• London Bridge Hospital
• London Clinic
• Portland Hospital for Women and Children
• Princess Grace Hospital
• Wellington Hospital

Protected no claim discount

For a little extra on your private health insurance premium, you can protect your no claim discount. This means that if you make a new claim, you won't drop down the no claim discount scale at renewal.

Ways to keep the cost of your private health insurance policy down

Reduced outpatient cover

You can choose to reduce your out-patient cover to a chosen limit of either £500 or £1000. If you're happy to use the NHS or are happy to pay for certain out-patient treatments, this option is ideal for you as it will lower your premium.

Six week option

Private health care benefits for in–patient or day-patient treatment will only be available if treatment is not available at an NHS hospital within six weeks.

You will still benefit from private health cover should your GP refer you to a specialist for out–patient tests. If subsequent eligible treatment as an out–patient is required, you will be covered for this too.

Policy excess

You can choose an excess of:

• £100
• £200
• £500
• £1,000
• £3,000
• £5,000

By choosing an excess you will lower the cost of your private health insurance premium. The higher the excess you choose, the lower your premium will be. Each member who makes a claim will have to pay this cost, but only once per policy year.

Reduced Hospital List

Enjoy the comfort of private facilities at NHS/Partnership hospitals and you could save up to 25% on your premiums.

The following hospitals are all available to you on the Reduced hospital list. This option uses mostly the private patient units of NHS Trust and Partnership hospitals.

Bedfordshire

• Luton & Dunstable Hospital - The Cobham Clinic

Berkshire

• Wexham Park Hospital - Paragon Suite

Buckinghamshire

• BMI The Shelburne Hospital

Cheshire

• BMI The South Cheshire Private Hospital

Cumbria

• West Cumberland Hospital - Cumbrian Clinic

Derbyshire

• Chesterfield Royal Hospital - BMI Chatsworth Suite

Devon

• North Devon District Hospital - Roborough Suite

Dorset

• BMI The Harbour Hospital

Gloucestershire

• Gloucestershire Royal Hospital - Gloucester Ward
• Cheltenham General Hospital - Knightsbridge and Montpellier Wards

Isle of Man

• Nobles Hospital

Isle of Wight

• St Mary's Hospital - Mottistone Suite

Kent

• BMI The Sloane Hospital
• Queen Elizabeth the Queen Mother Hospital - The Spencer Wing

Lincolnshire

• Pilgrim Hospital - The Bostonian

London

• Charing Cross Hospital
• Chelsea & Westminster Hospital - Chelsea Wing
• Guy's Hospital - Guy's Nuffield House
• Hammersmith Hospital - The Robert and Lisa Sainsbury Wing
• King's College London - Guthrie Clinic
• Royal Free Hospital
• St Mary's Hospital - Lindo Wing
• St Thomas' Hospital - The Westminster Suite

Merseyside

• University Hospital of Aintree - Sefton Suite

Middlesex

• BMI The Bishops Wood Hospital
• BMI The Kings Oak Hospital
• BMI The Cavell Hospital
• Northwick Park & St Marks Hospitals

Norfolk

• BMI The Sandringham Hospital
• James Paget Hospital - The Charnwood Suite
• Norfolk and Norwich University Hospital - Cringleford Private Patient Unit

Oxfordshire

• John Radcliffe Hospital - The Isis Suite

Shropshire

• Princess Royal Hospital - The Apley Ward

Somerset

• Taunton & Somerset Hospital - Parkside Suite
• Yeovil District Hospital - Kingston Ward
• Weston General Hospital - Waterside Suite

Staffordshire

• Burton Hospital - The Burton Clinic

Surrey

• BMI The Runnymede Hospital
• Epsom General Hospital - The Northey Suite
• Frimley Park Hospital - The Parkside Suite
• BMI The Coombe Wing - Kingston Hospital

Sussex East

• Eastbourne District General Hospital - Michelham Private Patients' Unit
• Spire Sussex Hospital

Sussex West

• St Richard's Hospital - The Chichester Suite

Tyne & Wear

• Royal Victoria Infirmary - The Bishop Ward

Wales

• Princess of Wales Hospital - The Bridgend Clinic
• Nevill Hall Hospital - Glan Usk Suite

West Midlands

• BMI The Meriden Hospital

Yorkshire - North

• Harrogate District Hospital - The Harlow Ward

Yorkshire - West

• Airedale General Hospital - Ward 19
• Bradford Royal Infirmary - The York Suite

Yorkshire - South

• Park Hill Hospital

Wiltshire

• The Great Western Hospital - The Shalbourne Suite

Northern Ireland & Scotland Hospital List

This list is available to policy holders living in Scotland and Northern Ireland only and by choosing this option you could save up to 43% on your private health insurance premium.

The following hospitals are covered by your health policy if you choose this list (also known as the Signature hospital list):

Scotland

Aberdeenshire

• BMI The Albyn Hospital

Angus

• BMI The Fernbrae Hospital

Ayrshire

• Abbey Carrick Glen Hospital

Lanarkshire

• BMI Ross Hall Hospital

Midlothian

• Spire Murrayfield Hospital

Stirlingshire

• Abbey Kings Park Hospital

Northern Ireland

Belfast

• Ulster Independent Clinic

Ballykelly

• North West Independent Clinic

Full details of cover can be found in our terms and conditions booklet which can be found on this page. Please be aware that, depending on your personal circumstances, non–standard terms may apply and you will be required to complete an application to determine the final terms of your policy if we accept your application.

Next steps

Call 0800 051 1524 (INT WP2)

Get a quote for private health insurance

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Important information

† The 3 months free offer only applies to the first year of your policy and it cannot be used in conjunction with any other offer. You must hold you policy for a minimum of 12 months. If you have had a policy with us in the last 12 months, you will not qualify for this offer. Applications are required by 30th September 2010. Aviva reserves the right to extend the closing date of this offer. This offer is only valid when paying on a monthly basis by direct debit.

** No claim discount of 0–66% for the first year given against our standard maximum premium payable due to previous medical claims. Private healthcare premiums and No Claims Discount arrangements are annually reviewable. Applications are required. Non-standard personal and medical exclusions may apply.