Health insurance

Frequently asked questions

Does Aviva cover pre-existing conditions?

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 you cover me to see a GP?

Our health insurance includes round-the-clock access to five Digital GP video consultations (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 if I get a policy in my new job?

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.

For our joint protection, calls may be recorded or monitored. Calls to 0800 numbers from a UK landline or mobile are free.


Can I cover my 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, 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 contact Aviva Digital GP 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 for an open referral, we can help you find a hospital and specialist that's covered by your policy.


Can I claim on my policy as soon as it has started?

You can make a claim from your policy start date if you’ve paid your premiums by the time your treatment takes place. Once you’re referred by your GP, call us on 0800 158 3333.

For our joint protection, calls may be recorded or monitored. Calls to 0800 numbers from a UK landline or mobile 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 these 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 list, 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.

For our joint protection, calls may be recorded or monitored. Calls to 0800 numbers from a UK landline or mobile are free.


Do you cover worldwide?

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

If you choose a reduced outpatient option, you'll only be covered for treatment in the UK, the Channel Islands and the Isle of Man.

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