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Private Health Insurance

Prompt, private cover – now free for the first month

Terms and conditions apply*

Why choose Aviva’s private health insurance?

Our individual private health insurance, Healthier Solutions, offers a nationwide network of hospitals and lets you choose where and when you get your treatment. It's the fast, focused way to get better.

Fast access to treatment

Our cover gives you the flexibility to make the right choices for you – we can help you find the hospital and consultant that will suit you best.

20+ years experience

Aviva is the UK’s biggest insurance provider. We’ve been protecting people against the fear of uncertainty for over 300 years and helping our customers get prompt, private health treatment for over two decades.

Dedicated cancer support

If you’re diagnosed with cancer, one of our highly experienced case managers will support you throughout your treatment.

Specialist care and treatment

You'll have access to expert care from private specialists, and in some cases, treatments not available on the NHS.

Flexible cover

Our cover is flexible, so you can make the right treatment choices for you. You can increase your core cover to give you full peace of mind, or decrease the cover and reduce your costs.

24 hour access to a GP and a stress counsellor

We know an expert view is reassuring. That's why you can call our GP or stress counselling helplines 365 days a year to discuss any health concerns you or your family may have.

What's covered?

Our private health insurance covers acute conditions that start after your policy begins. Here are some of the benefits included in our core cover. For the full list of benefits, conditions and exclusions, see our Healthier Solutions Insurance product information document (PDF 99KB) and terms and conditions (PDF 2.06MB).

Out-patient treatment

  • Consultations with a fee approved specialist
  • X-rays
  • Scans
  • Electrocardiograms (ECG)
  • Cancer treatment

In-patient or day-patient treatment

  • Hospital fees at a private hospital on your list
  • Specialists' fees up to the limits of our fee schedule
  • Diagnostic tests
  • Cancer treatment

Cover options to suit you

Enhance your cover by adding:

  • A protected no claim discount
  • Other treatment and therapies referred by your GP
  • Dental and optical cover
  • Extended hospital list
  • Mental health treatment

Remember, by enhancing your cover, you're increasing your premium.

Reduce your premium with:

  • A member excess, payable towards the cost of your claims
  • Reduced hospital lists
  • Reduced out-patient cover
  • Six week option, which means you won’t be able to claim for in-patient or day-patient treatment, NHS cash benefit, NHS cancer cash benefit, or the cost of an amenity bed, if the NHS can treat you within six weeks from the date your specialist recommends it.

What isn’t covered?

Like most private health insurance policies, we don't cover pre-existing conditions, and how we deal with previous conditions depends on the type of underwriting that you choose. There are also some specific treatments and conditions not covered. See our summary of exclusions or terms and conditions (PDF 2.06MB) for details.

Have 1 month free on us

Our cover’s now free for the first month – get a quote to see how much you could save.

Terms and conditions apply*

Extra benefits

Once you have Aviva’s private health insurance, you’ll get access to a whole range of customer benefits, including:

  • Up to 25% off gym membership at our network of gyms
  • Discounts on other Aviva products, including car insurance and life insurance
  • MyHealthCounts - an online health programme focused on helping you understand how your lifestyle choices can impact your health.
  • Free cover for younger children when you take out cover for yourself and your eldest child under 20.

Leaving a company scheme?

If you're leaving your company but want to carry on with your private health insurance, you can. Give us a call and we'll do our best to move you to individual private healthcare without further medical underwriting. Remember, benefits may differ on an individual policy.

Or call us on: 0800 015 2470

Monday to Friday, 8.00am – 8.00pm

Calls may be monitored and/or recorded.

Frequently asked questions

Here are some common questions about private health insurance. We're always happy to answer any question you have about our products, so if you can't find an answer here, please call our team on 0800 056 3008 quoting the reference: INT HS1.

What is private health insurance?

Private health insurance helps you get prompt, private treatment if you're unwell. It's designed specifically to treat acute conditions that start after your policy begins: an acute condition is a disease, illness or injury that's likely to respond quickly to treatment so that you can return to your previous level of health. You pay a premium to us, and in return, we'll provide you with healthcare benefits. It gives you peace of mind, knowing that you can get the treatment and care you need, promptly.

Our private health insurance gives you extra benefits that can help you maintain your wellbeing and improve your fitness. These include up to 25% off selected UK gym memberships and access to our online health programme MyHealthCounts.

Will you cover my pre-existing medical conditions?

If you take out our private health insurance online, we’ll use our moratorium underwriting criteria. This means that you won’t need to complete an in depth health questionnaire, but your cover will exclude any pre-existing disease, illness or injury (whether or not diagnosed), based on the following:

  • We don’t cover treatment of pre-existing conditions or related conditions if you had symptoms of, medication for, diagnostic tests for, treatment for or advice about that condition in the five years before your joining date.
  • If you don’t receive medication for, diagnostic tests for, treatment for or advice about that condition during a continuous two-year period after your joining date, the exclusion will not apply.

If you have a policy with another provider at the moment, and want to find out more about the cover we could give you, call our team of friendly experts on 0800 092 4371.

What is a network?

We’re developing a number of networks of facilities, specialists or other practitioners that we recognise to provide the treatment required for a specific condition or suspected condition.

By creating networks, Aviva has more control over the treatment pathway. This means we can drive better commercial deals, which helps us maintain affordable prices. What’s more, by controlling the treatment pathway we can give our customers greater assurance when it comes to clinical quality and treatment.

Our networks are updated frequently as we work to ensure we get the best possible service for our customers. We regularly add or evolve networks, or in the event that a facility/specialist is no longer suitable for a network we may remove them.

Can I use the hospital I want, when I want?

When you take out private health insurance with us, you'll decide which hospital list (PDF 2.03MB) you'd like us to use if you need to make a claim on your policy. These lists offer a range of hospitals and clinics at which you could get treatment or have more investigations, nationwide, with appointments that will be made at your convenience. You can choose a list that matches your budget.

  • Standard hospital list
    Access to a nationwide list of hospitals. This group of over 300 hospitals is automatically included on your policy unless you choose an alternative hospital list.
  • Trust hospital list
    By choosing the comfort of private facilities at NHS/Partnership hospitals, you could save up to 25% on your premiums.
  • Extended hospital list
    Particularly attractive if you live in the Greater London area, this list gives access to more exclusive hospitals in addition to our standard hospital list. This option increases your premium by 45%.
  • Signature hospital list
    Access to a selected number of hospitals, which could give you savings of up to 25% on your premiums. This list is only available to policy holders living in Scotland and Northern Ireland.

Remember if we have a network for your condition or suspected condition you’ll still need to use our network facility for your treatment rather than a hospital on your list.

Will all of my specialist's fees be covered?

There are some specialists’ fees that may fall outside the scope of your cover. It’s important to us that you’re confident and comfortable with the policy you buy, so we’re happy to talk through any concerns you have about fees over the phone. If we can’t answer your questions immediately, we’re also happy to call you back with the information you're looking for.

What is excluded on my policy?

Your policy is designed specifically to treat acute conditions that start after your policy begins (an acute condition is a disease, illness or injury that’s likely to respond quickly to treatment so that you can return to your previous level of health). All of our policies have standard exclusions, which will be listed in detail in your policy documents. A guide to the standard exclusions for Healthier Solutions is included on our summary of exclusions page. Depending on your medical history, we may add limitations to your policy – but these will be explained in detail, and you’re welcome to ask us questions about them at any time.

Is there a difference between private health insurance and private medical insurance?

We say ‘private health insurance’ most often, but providers could use both terms to describe the same thing. A policy that helps you get private treatment could be called private health insurance or private medical insurance.

Everyone seems to offer extra benefits. What are yours?

You’ll get a number of additional extra benefits with Healthier Solutions that could help you look after your health. As well as giving you access to those features, we also include discounts and rewards for good health, which could help you reduce the cost of your private health insurance when it’s time for renewal.

  • Discounted gym memberships
    You'll get discounts of up to 25% on membership at a selection of UK gyms and health clubs.
  • Stress counselling helpline
    Stress is a major contributor to ill-health, but it’s sometimes difficult to talk about it. So we make it easier to speak to someone who can help you deal with it. Through our stress counselling helpline, you can talk to a qualified counsellor 24 hours a day, 7 days a week. This benefit is available to members aged 16 and over.
  • 24 hour GP helpline
    Ill health doesn’t stick to normal opening hours, so we have a 24 hour GP helpline in place for you. Contact our GP helpline for advice on medical matters at any time of day.
  • MyHealthCounts
    Looking after yourself is important. MyHealthCounts is an online programme that helps you find out more about your health and, if your health improves, MyHealthCounts could help you qualify for discounts on your private health insurance at renewal time.
  • Free cover for your younger children
    If you take out a Healthier Solutions policy that covers yourself and your eldest child under 20, we’ll also provide free cover for any younger children in your family.

Is there a lot of paperwork involved in making a claim?

If you’re sick or injured, one of the last things you want is a stressful claims process. Our claims team understands that you might not be feeling 100%, and they do their best to make sure things go smoothly. You can start by making a claim online or by speaking to us directly, whichever you find most convenient.

Best of all, we can approve most claims over the phone and we’ll settle bills directly with the hospitals so that you don’t have to worry about too much paperwork.

Our specialist oncology claims department has team members trained to deal with the harrowing circumstances surrounding a claim for cancer treatment.

What's the difference between an out-patient, a day-patient and an in-patient?

An in-patient is someone who is admitted to hospital and who occupies a bed overnight or longer, for medical reasons. As a day-patient, you would be admitted to a hospital or day-patient unit because you need a period of medically supervised recovery but do not occupy a bed overnight. An out-patient is someone who attends a hospital, consulting room or out-patient clinic and is not admitted as a day-patient or in-patient.

Already have Aviva’s private health insurance?

Making a claim

Your step by step guide to making a claim, as well as who to call to do it.

Manage your policy online

View your policy documents and change some personal details with MyAviva.

Renew your policy

To renew your policy please call one of our team who will be happy to help.

0800 092 4590

Monday to Thursday 8.30am – 8.00pm

Friday 8.30am – 6.00pm

Saturday 9.00am – 1.00pm

For our joint protection, telephone calls may be recorded and/or monitored.

Contact us

Call us on: 0800 056 3008

Monday to Friday 8.00am – 8.00pm

For our joint protection, telephone calls may be recorded and/or monitored.

Find a hospital

Find a hospital near you, covered by your policy.

We're proud of our 5-star Defaqto rating for Private Medical Insurance and winning health insurance company of the year at the 2016 Health Insurance Awards.

2016 health insurance company of the year

*Terms and conditions

  • Consumers enter into an annual contract.
  • The months free discount is applied to the first month of cover.
  • The offer is only available for customers who purchase Healthier Solutions on a Fully Medically Underwritten or New Moratorium basis.
  • The offer is for policies which start between 14 May 2018 and 31 July 2018, quotes are valid for 30 days. We reserve the right to withdraw or change the offer at any time.
  • You must not have been covered by a PMI policy with Aviva in the last 12 months and satisfy usual product eligibility and underwriting rules.
  • Additional members on the same policy are eligible for this offer provided that all members are added at the date of purchase. Additional members who are added to a policy later will not be eligible for this offer.
  • This offer is not available if you are taking out a policy where Aviva has agreed to match the underwriting terms you had with another provider, for example if you are using a group leaver or switcher scheme.