Free 12 months to the body coach app. T&Cs apply §

Health insurance

Get moving with Joe Wicks and Aviva health insurance §

Call free on 0800 015 9830 ^

  • Reach your wellbeing goals with 12 months' free use of the Body Coach App §
  • Easy-to-book appointments and shorter wait times help get you back to your best
  • Extensive cancer cover and support at every stage of treatment

What is health insurance?

Health insurance, also known as private medical insurance, is cover that helps pick up the bill for private medical care for a future short-term injury or illness.

Take it out for yourself, your partner and your family. You can enhance or reduce your cover with optional add-ons depending on your budget or what is important to you.

Health insurance can offer more control over your treatment choices and help reduce how long you might wait for an appointment, to the diagnosis of a condition or surgery.

Get the Body Coach App free

§ Buy health insurance with Aviva by 13th December 2024 and get 12 months free use of the Body Coach App included. Offer T&Cs apply.

With our health insurance, you'll also benefit from a range of offers to support your health and fitness goals. Get Active gives you discounts, through MyWellbeingDiscounts, at top brands and nationwide health and fitness clubs, helping you get on your A game.

Get fitter, happier and healthier

The benefits of regular exercise - inside or outside the home - can build confidence and help you feel good about yourself. It could also help to combat disease, manage weight, improve your energy levels and reduce the risk of stress and anxiety.

Get Active is available free of charge to all Aviva Health customers. Details on how to access the service will be provided in your policy documents.

Find out more on the Get Active terms and conditions ‡.

‡ This service is a non-contractual benefit which Aviva can change or withdraw at any time.

The benefits of our health insurance

  • It takes a name you can trust

    Over 1.1 million Footnote [1]  people agree, and have health insurance with us, as at year to date May 2023.

  • Choosing where you're treated

    Ask us to guide you to the most suitable hospital and specialist when you claim, by picking our Expert Select option (PDF 1 MB). Or decide up front on one of the ready-made hospital lists that make up our Hospital Options (PDF 476 KB).

  • Tools to take care of yourself every day

    As part of our cover, you’ll benefit from a range of wellbeing services to help you live your best life, from advice around healthy eating choices to discounts at a nearby gym.

  • Cut down the waiting time

    Private health insurance can help bring down how long you’ll wait for elective procedures, tests, and consultations, which can really benefit you if you have urgent health needs.

  • Privacy when you need it most

    When you’re in hospital, our insurance could cover the cost of a private room, so you have your own space for extra peace and comfort.

Get a quote

How much does health insurance cost?

It depends on things like your age and where you live and, if you’re switching to us, how many claims you’ve had. But you can control the features you have and don’t have, which can increase or decrease your premiums.

My Healthy Discount:

You could save up to 15% on your first year premium if you meet our health-related eligibility criteria. The discount will reduce over future renewals. Please view the My Healthy Discount terms and conditions for full details.

Renewal price guarantee

Take out a new health insurance policy with us, and we'll guarantee your premiums won't increase at first renewal if you haven't made a claim that's reduced your no claim discount level.

Terms and conditions apply (PDF 63 KB)

Who do we cover?

What does our health insurance cover?

Core cover

Benefits that come as standard with our health insurance:

Consultations and/or treatment with a specialist

Diagnostic tests

Hospital charges

Full cancer cover

Out-patient mental health treatment

With a choice of:

Expert Select
Guided hospital option

Key hospital list
Our standard list

Enhance cover

Enhance your cover with any of these optional add-ons. Choose from:

  • Dental and optical
  • Mental health upgrade – 28 days in or day-patient treatment
  • Other treatment and therapies including osteopathy, physiotherapy and chiropractic
  • Extended hospital list
  • Protected No Claim Discount

Reduce cover

Reduce your premiums by removing cover you don't want. Here's what you can remove:

  • Reduced out-patient options
  • Six week option
  • Member excess options
  • Signature hospital list
  • Trust hospital list

Enhance cover

Reduce cover

Your total wellbeing

The tools you need to make positive changes. Here's how our wellbeing services can be there for you.


An online health and wellbeing tool that helps you find out how healthy you are. It could also help save you money when it’s time to renew your policy.

Aviva Digital GP

An app that gives you unlimited access around the clock to GP video consultations per member, per policy year, and repeat NHS prescriptions – at no extra cost ‡

Get Active

We’ll help you get fit and stay healthy with savings on gym services, discounted lifestyle products and offers at over 3,000 nationwide health and fitness clubs ‡

24-hour Stress Counselling helpline

If you’re stressed and want to talk to someone, experienced counsellors are available 24 hours a day, seven days a week (for members aged 16 or over)

Mental health support

If you're struggling with stress, anxiety or poor mental health, it can be difficult to get back on track. We can help by providing easy access to information, videos and articles,
on a range of topics ‡

Cancer Care with Get Active

You can benefit from savings on products and services that can help make a small difference if you or someone close to you is living with cancer. The service provides you with discounted products and services that can help with the daily living adjustments a cancer diagnosis and treatment can bring, as well as offers on services and experiences that may enhance quality time spent with family and close friends ‡

‡ These services are non-contractual and can be changed or withdrawn at any time.

Aviva Digital GP is powered by Square Health. It’s available if you’re a resident of Great Britain, Northern Ireland, the Channel Islands and the Isle of Man, at home or abroad. Terms and conditions and the privacy policy can be viewed in the Aviva Digital GP app before you sign up, and mobile data charges may apply.

Our insurance offers wide-ranging cover against illness, cancer, accidents and curable diseases. The language of health insurance can be confusing, and can mean very specific things, so here’s a guide to some of the key terms.

What's covered
  • Acute conditions
    Our health insurance covers treatment for short-term illnesses or injuries that respond quickly to treatment.
  • Access to 100s of hospitals
    Whether you choose Expert Select or a hospital list, you’ll have access to a wide range of private hospitals and facilities. These include BMI, Nuffield, Spire and NHS private units.
  • Extensive cancer care
    Cover for cancer diagnosis, treatment and aftercare as standard – read more about our cancer pledge.
  • Hospital charges and specialist fees
    Comprehensive outpatient cover, including diagnostic tests, consultations with a specialist, treatment with a specialist, radiotherapy and chemotherapy.

What's not covered

  • Chronic conditions
    We don’t cover a disease, illness or injury that needs ongoing or long-term care, such as diabetes, arthritis, epilepsy and asthma. Please note that cancer is covered as standard.
  • 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 won't be covered unless you’ve been free from medication, treatment, diagnostic tests or advice for them for two continuous years after taking out this policy. How we deal with pre-existing medical conditions
  • Pregnancy and childbirth
    We don’t cover treatment for pregnancy and childbirth but we do cover related conditions that can also be experienced outside of pregnancy and childbirth, and the specific complications listed in the terms and conditions. Footnote [1] 
Get a quote "Get a health insurance quote"

Health insurance FAQs

Do I need to renew my policy every year?

Does my health insurance cover me abroad?

Can I add others to my policy?

Are there any age limits to buying health insurance?

Will my health insurance premiums change every year?

Ready to get a quote?

Our Health insurance cover is just a few steps away.

What you need to get a health insurance quote

When you get a quote from us, we’ll ask for a few details, including:

  • Personal information – such as your name, date of birth and address
  • When you want your cover to start – today or a date in the future
  • If you want to add anyone else to the policy – if you include a partner or children, we’ll need to know their details too.What type of cover you want – customise your policy by choosing add-ons and your hospital option.
  • Any medical history – we’ll ask you to pick either moratorium underwriting or full medical underwriting, which deal with pre-existing medical conditions in different ways.

Or call us free ^

0800 015 9830

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

Weekends and bank holidays: Closed

^ Value: For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. Calls to 0800 and 0808 numbers from UK landlines and mobiles are free. The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles. Our opening hours may be different depending on which team you need to speak to. At Aviva we operate a zero-tolerance policy on abuse of any kind. Our staff/colleagues are committed to treating you with courtesy and respect and ask that you do the same.

Grandparent being hugged tightly by their loving grandchild, in an outdoor countryside setting

Or get us to call you

Why choose us for health insurance?

We're delighted to have won Moneyfacts private medical insurance 2024 and we're proud that our cover's 5 Star Rated by Defaqto - a trusted industry expert.

  • It takes a name you can trust
    Over 1 million Footnote [1] people agree, and have health insurance with us
  • A doctor in your pocket
    Medical help anytime, anywhere, with the Aviva Digital GP app
  • Quality you can rely on
    Our health insurance is rated 5 Star by industry experts, Defaqto
Defaqto 5 star rated health insurance Moneyfacts Private Medical Insurance 2024

Other health insurance options and tools

Here’s how else you can protect yourself and keep an eye on your health.

Diagnostics insurance

Find out what’s wrong quickly with easy access to diagnostic tests and consultations.

It doesn’t cover any treatment resulting from your diagnosis.

Alcohol units calculator

Our alcohol units calculator can help you monitor your drinking levels by converting the alcohol you drink into measurable units and calories consumed.

BMI Calculator

Our BMI calculator, which is only suitable for adults, is a way to measure if you're a healthy weight for your height. 

BMR calculator

Calculate the number of calories required to keep your body functioning at rest and at different levels of activity.

Be the best you

Get health and wellbeing know-how the easy way with our guides and info.

See all health articles "Explore all of our health insurance relates articles here"

Get independent information about the quality and cost of private treatment available from doctors and hospitals from the Private Healthcare Information Network.

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