Diagnostics insurance

Helping you find out what’s wrong with your health

Cover available from just £1.21 per day¹

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What is diagnostics insurance?

It’s a type of health cover that pays your costs for getting a diagnosis, and helps you skip the potential NHS waiting lists when you need to find out the cause of a medical problem. With our diagnostics insurance, ‘Speedy Diagnostics’, you’ll get access to private consultants and specialists, so you can have diagnostic tests with no fuss. And although you won't be covered for any treatment costs, there are no limits to the amount we’ll pay out for your diagnosis.

Avoid potential NHS waiting lists

Private tests and consultations to get an initial diagnosis, at times that are convenient for you

Lower costs

More affordable than full health insurance because it doesn’t cover the costs for any treatment

Wellbeing benefits

Access to the Aviva Digital GP app, Stress Counselling helpline and money-saving offers at over 3,000 health and fitness clubs

What our diagnostics insurance covers

Our cover focuses on getting you the diagnostic tests and consultations you’ll need for an initial diagnosis.

What's covered

  • Specialist fees for outpatient consultations and diagnostic tests
  • Diagnostic tests such as CT, MRI and PET scans, X-rays, blood tests and ECGs
  • Specialist fees for inpatient and day patient diagnostic tests
  • Inpatient and day patient hospital charges for diagnostic tests such as an endoscopy

What's not covered

  • Cost of treatment
  • Consultations and diagnostic tests after a diagnosis has been made
  • Routine medical examinations and screening
  • 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.

This is a summary of the cover and exclusions. Please read the Speedy Diagnostics terms and conditions for full details.

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 pay 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 prompt, 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 day patient diagnostic tests  until point of diagnosis  Yes
No claim discount (NCD)  Yes  Yes
Prompt 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 5 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 and can be withdrawn by Aviva at any time.

We also offer Cancer Essentials and Physio Essentials which provide affordable, condition-specific health cover options.

Looking after your health and wellbeing

When you take out diagnostics insurance with us, it's to help you find out what's wrong should you have a medical condition. There are also benefits you can take advantage of today.

Person using their phone

Aviva Digital GP app*

You’ll have around the clock access to the Aviva Digital GP app, powered by Square Health. With the app you can get five GP video consultations per member, per policy year. You can also order repeat NHS prescriptions in-app with free UK delivery (all NHS England exemptions accepted).^

Person using their phone

Get Active*

Get Active helps you stay fit and healthy with discounts on online workouts, as well as savings on more than 3,000 health and fitness clubs nationwide. You'll also find a variety of discounted products and services to help you and your family get active and keep healthy. Terms and conditions apply.

picture of be happy tattoo on an arm

Stress Counselling helpline

The Stress Counselling helpline can offer support for personal or work-related stress issues. Talking and sharing can be the first step in helping to work through problems and resolve them. Our experienced counsellors are available 24 hours a day, seven days a week. This service is available to members aged 16 or over.

person with glasses looking down upset

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. 

You can access online articles and information, on a range of topics, to help support your mental health when the situation arises.


^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 and can be withdrawn by Aviva at any time.

Ready to get a quote?

Our Speedy Diagnostics cover is just a few steps away

Call us for a quote

0800 404 8442

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

Calls may be monitored or recorded. Calls to 0800 numbers from UK landlines and mobiles are free.

How to make a claim

Once you’re covered with us, making a claim and accessing private diagnostic services is quick and easy.

Step 1

Visit your GP

See your GP if you're feeling unwell. If they want you to see a specialist for diagnostic tests, tell them you've got diagnostic health insurance with us. It's simpler to ask your GP for an open referral, so we can help find the best medical facility and consultant covered by your policy. If you arrange appointments before contacting us, we may not be able to approve a claim.

Step 2

Call us

To start your claim, call our claims team on 0800 158 3333, with your policy number and details of your symptoms. We’re open Monday to Friday 8am-6:30pm and Saturday 9am-1pm. Calls may be monitored or recorded. Calls to 0800 numbers from UK landlines and mobiles are free.

Step 3

Book your diagnostic tests

We’ll let you know the facilities and specialists your policy covers. We can settle most bills directly with a hospital and many specialists send their bills straight to us.

Our health cover options

From full health insurance with a level of cover you can adjust, to cover for specific conditions, here's how else you can help protect yourself.

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

Cancer Essentials

Get a cash benefit on diagnosis and money towards cancer drug costs.

Age: 18-69

Cover: £5,000 cash benefit

Payment: When we've received a letter from the GP and specialist
 

Physio Essentials

Flexible treatment options to recover from illness and injury.

Age: 18 or over

Cover: Face-to-face and virtual physiotherapy

 

Health articles

Keep on top of your health and wellbeing with our guides and articles.

1Cover from £1.21 based on average annual premium of all existing customers with Speedy Diagnostics cover as at May 2021, divided by 365 days.