Diagnostics Insurance

Get to the bottom of problems without delay

Call free on 0800 158 2147 for a quote

  • Over half of our customers pay less than £20 per month - that's less than £0.66 a day1
  • Avoid potential NHS waiting lists
  • Wellbeing support with the Aviva Digital GP app^

What is diagnostics insurance?

When it comes to health, sometimes finding out exactly what’s causing your problems is half the battle. With our ‘Speedy Diagnostics’ cover you’ll have access to specialists, so you can skip any NHS waiting lists for diagnostic tests and get them done quickly and fuss-free. And don’t worry about how many tests you might need — while this plan doesn’t cover treatment costs, there’s no limit to what we’ll pay for your diagnosis.

The benefits of our diagnostics insurance

  • Get to the front of the queue

    Arrange private tests and consultations at times that are convenient for you

  • Keep your costs down

    Because this covers your diagnosis and not your treatment, it’s more affordable than a full health insurance product that includes all your treatment.

  • Oodles of extras

    Get even more help from our bevy of extras, like the Aviva Digital GP app^, a Stress Counselling helpline and money-saving offers at over 3,000 health and fitness clubs with Get Active*

What our diagnostics insurance covers

Our cover is here to help you get an initial diagnosis as quickly as possible, so you can focus on what to do next.

What's covered

  • Specialist fees
    Get access to private outpatient consultations and outpatient, inpatient and day patient diagnostic tests
  • Diagnostic tests
    You’re covered for everything from CT, MRI and PET scans, to X-rays, ECGs, and blood tests
  • Hospital charges
    We’ll cover the fees for inpatient and day patient tests, like endoscopies and biopsies and specialist fees for outpatient consultations and diagnostic tests

What's not covered

Unfortunately, we can’t cover everything — make sure you’re happy with what you can’t claim for, including:

  • Treatment
    The cost of any treatments after your diagnosis isn’t covered by this plan
  • Routine screenings
    If your medical exams or screenings are part of routine health checks, they’re not covered
  • Post-diagnosis 
    Consultations and tests after your diagnosis has been made aren’t covered
  • Pre-existing conditions
    If we look at your full medical history when you apply (full medical underwriting), we’ll usually exclude any conditions you had previously. If we don’t look at your full medical history when you apply (moratorium underwriting), when you make a claim, we’ll ask about any pre-existing conditions you had in the five years before you took out the policy. These conditions will only be covered if you’ve been free from medication, treatment, diagnostic tests or advice for them for two continuous years after taking out this policy.

Policy documents

Explore exactly what is and isn’t covered by reading our full policy terms and conditions.

Speedy Diagnostics Terms and Conditions (PDF 347KB)

Insurance Product Information Document (PDF 77KB)

Speedy Diagnostic Brochure (PDF 994KB)

Hospital Options (PDF 501KB)

Types of health insurance

We offer two types of health insurance — full, private health insurance cover and diagnostics only cover. Both can help avoid NHS wait times, however because our diagnostics cover doesn't cover the costs for any treatment, it’s cheaper than traditional private health insurance.

This table shows the main differences between these two types of cover:

  Diagnostics Insurance Private Health Insurance
Summary of cover Speedy Diagnostics covers the costs of tests to find out what’s wrong, and helps you avoid waiting lists, but doesn’t pay for treatment. With Healthier Solutions, you get access to private medical treatment, with many benefits as part of your core cover.
Cover for diagnostic tests with a specialist, including MRI scans, X-rays, blood tests and ECGs   until point of diagnosis  Yes
Hospital and specialist charges for inpatient and daypatient diagnostic tests  until point of diagnosis  Yes
No claim discount (NCD)  Yes  Yes
Access to treatment in quality private facilities  No  Yes
Cancer treatment and aftercare  No  Yes
Cover towards outpatient mental health treatment and specialist referred physiotherapy   No  Yes
Options to enhance or reduce your cover  No  Yes
Access to the Aviva Digital GP app with unlimited GP video consultations per member, per policy year*  Yes  Yes
24/7 access to the Stress Counselling helpline. This service is available to members aged 16 and over  Yes  Yes
Get Active – savings on gym services, discounted lifestyle products and offers at over 3,000 nationwide health and fitness clubs*  Yes  Yes
Mental health support – we provide easy access to information and articles on a range of topics*  Yes  Yes
**MyHealthCounts – an online health and wellbeing tool that provides members over the age of 18 the chance to qualify for up to 15% off their renewal premiums  No  Yes

*These services are non-contractual benefits that Aviva can change or withdraw at any time.

**This is a wellbeing benefit, not a policy benefit.

Looking after your health and wellbeing

Staying healthy and happy takes work – and everyone needs a little support sometimes. That’s why we’ve added some extras for people who have diagnostics insurance with us.

These aren’t contractual benefits, so they could change, and make sure you check all the relevant terms and conditions.

Aviva Digital GP provided by Square Health^*

Book unlimited GP video consultations per year, guaranteed within 24 hours, and get access to repeat NHS prescriptions with free UK delivery. It’s a GP in your pocket.

Get Active*

Being mobile is a huge part of wellbeing, both physically and mentally. Get Active gives you discounted membership to more than 3,000 health and fitness clubs across the UK, as well as savings on both online workouts and a gymbag full of other goodies that can help you keep moving and stay healthy. Terms and conditions apply.

Mental health support*

Your mental health is important. We want to help you when things become too much. If you're experiencing stress, anxiety or poor mental health, it can be difficult to get back on track.

We’ve put together a bunch of articles and information about all things mental health – have a rummage through and see what speaks to you.

Stress Counselling helpline

When something is causing you stress, the first step to working through it is sharing it with someone. Sometimes, the simple act of talking with another person is enough to put things in new light. Other times, it’s the crucial first step in a longer process. Either way, our stress counselling helpline is here to listen – 24 hours a day, 7 days a week. This service is available to members aged 16 or over.

^The Aviva Digital GP app is available if you’re a resident of Great Britain, Northern Ireland, the Channel Islands and the Isle of Man, at home or abroad. You can read the terms and conditions and the privacy policy in the Aviva Digital GP app before you sign up, and mobile data charges may apply.

*These services are non-contractual benefits that Aviva can change or withdraw at any time.

Ready to get a quote?

Give us a shout and we’ll give you a quote – now that’s teamwork.

Call us for a quote

0800 158 2147

Monday to Friday: 9:00am - 6:00pm

Calls may be monitored or recorded. Calls to 0800 numbers from UK landlines and mobiles are free. Our opening hours may be different depending on which team you need to speak to.

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Explore our full health insurance

If you’re 18 or over, pick up a cover plan that will take care of private healthcare costs for you and your family.

Health insurance

Cover that pays your private healthcare costs if you have a treatable condition.

Age: 18 or over for the policyholder, but you can cover the whole family

Cover: Extensive core cover you can enhance or reduce to suit your needs

How to make a claim

Make sure you see your GP if you’re feeling unwell. If they refer you for tests or consultations, let them know you’ve got insurance with us and ask for an open referral — this means we can help find the best consultant and facility that’s covered by your policy. It’s a good idea to speak to us before arranging any appointments, or we might not be able to approve your claim.

If something happens, we’re here for you – call us straightaway on

0800 158 3333

Monday to Friday: 9:00am - 6:00pm

Saturday: 9:00am - 1:00pm

Sunday: Closed

Calls may be monitored or recorded We’ll ask you for your policy number, so make sure you have it to hand, and we’ll also need to any relevant information from your GP, including referrals. We’ll get things sorted and let you know which facilities and specialists are covered, and in most cases, we’ll settle the bills for you directly – so you can concentrate on your health.

All things health insurance

Delve into our library of guides and articles and find the health insurance advice you’re looking for.

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1Figure based on average monthly premium data as at 31 January 2024.