Health insurance

Frequently asked questions

Does Aviva cover pre-existing conditions?

A 'pre-existing condition' is when you've had symptoms, medication, advice, treatment or diagnostic tests for a disease, illness or injury before your cover started. How we deal with pre-existing conditions depends on the type of underwriting you choose. Health insurance is designed to cover treatment of acute, short-term conditions that occur after you’ve taken out the policy.


Will I be covered to see a GP?

Our health insurance includes access to the Aviva Digital GP app, powered by Square Health. You'll get around the clock access to five GP video consultations, per member, per policy year (terms and conditions apply).

You can also be referred for further assessment or treatment by an NHS or private GP, but we don’t cover any GP charges, treatment or diagnostic tests.

After you’ve been referred by a GP, you’ll need to call us to make a claim.


Can I cancel my policy if my employer offers private health insurance through a workplace scheme?

You can cancel your policy at any time. If you cancel within 14 days of the policy start date or renewal, and haven’t made any claims, we’ll refund the full premium.

To cancel your policy, call 0800 092 4590, or write to: Aviva Health UK Limited, Chilworth House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3RY.

Calls may be recorded or monitored. Calls to 0800 numbers from a UK landline or mobile are free.


Do you provide cover for a newborn baby?

Yes, if you apply before your baby is three months old, your baby will have up to three months of health cover. We also offer a 'baby bonus' where, if you've had the policy for over 10 months and your premiums are paid up to date, you get £100 from us when you have a baby, or adopt a baby up to a year old.

If you already have a child aged 19 or under covered on your policy, your new child will be covered for free beyond three months, until the older child turns 20.


Can I get dental cover?

It depends on the options you choose when you apply. Our core cover includes surgery on teeth that's carried out in a hospital. But if you choose the reduced outpatient option, this won't be covered.

You can enhance your core cover to include routine dental and optical treatment, but this will increase your premiums.


Do I need a referral from a GP to claim?

Yes. See your GP or set up a GP video consultation via the Aviva Digital GP app if you're feeling unwell. If they want you to see a specialist, tell them you've got private health insurance with us. If you ask the GP for an open referral, we can help you find a hospital and specialist that's covered by your policy. If you have chosen our Expert Select hospital option, you will always need to ask for an open referral.


How do I make a claim?

Once you've been referred by your GP, you can make a claim by using your secure MyAviva account online. You can also call us on 0800 158 3333 or send us an email: avivapmiclaims@aviva.com. Lines are open Monday to Friday 8:00am-6:30pm and Saturday 9:00am-1:00pm. Calls may be monitored or recorded. Calls to 0800 numbers from UK landlines and mobiles are free.


Can I change my policy mid-term?

You can tell us about changes in your circumstances at any time. This might include changing the name, title or address of anyone on the policy; correcting any information shown on the policy schedule; or removing members from the policy. To tell us about any changes, call us on 0800 068 3827.

At renewal, you can increase or decrease your cover, such as adding routine dental and optical treatment, or changing your hospital option, call 0800 068 3827. Bear in mind we'll need to review your claim history before deciding if we can make these changes, and it may affect your premiums.

Calls may be recorded or monitored. Calls to 0800 numbers from a UK landline or mobile are free.


Do you cover treatment worldwide?

We don't cover treatment outside the UK, the Channel Islands or the Isle of Man.

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