Defaqto 5 star rated health insurance and Moneyfacts 5 star private mdical insurance

Health insurance

Be on your A-game with health insurance

  • Easy-to-book appointments and shorter wait times help get you back to your best
  • Over one million people trust Aviva with their health insurance
  • Health and Wellbeing tools to help you live your best life

Understanding health insurance

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 our 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.

How does health insurance work?

You choose the healthcare benefits you need and pay a premium. Then if you get a short-term illness or injury, and are referred by your GP, we’ll help you choose from a wide range of high-quality private facilities and hospitals.

If you make a claim, we’ll make sure it’s quick and hassle-free, so you can focus on getting better.

Also, some of the terms we use in health insurance can sound like another language, so we’ve put together a glossary.

Do you need health insurance?

Private medical insurance could be for you if:

  • You don’t want to drag your feet on health matters – faster access to diagnosis, treatment and aftercare is important to you  
  • You’d prefer continuity of care where possible
  • You’d like treatments that might not be available on the NHS

The benefits of our health insurance

  • It takes a name you can trust

    Over 1.1 million [1]Footnote 1 people agree, and have health insurance with us, as of June 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 2.11 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.

Boost your cover

Reduce your cover

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)

What does our health insurance cover?

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.
  • 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. [2]Footnote 2 

Your total wellbeing

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

MyHealthCounts

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 access around the clock to five 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 ‡ You could even try our BMI calculator if you think it'd help you.

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 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.

Already have health insurance?

Leaving an Aviva health insurance scheme?

Continuing your cover with us is easy. [3]Footnote 3  Call us on: [4]Footnote 4 

0800 015 2470

Monday to Friday: 9:00am – 5:00pm
Weekends and Bank Holidays: Closed

Moving to us from another insurer

To talk to us about switching, just call us on [4]Footnote 4 :

0800 068 8174

Monday to Friday: 9:00am – 6:00pm
Weekends and Bank Holidays: Closed

Other health cover options

Here’s how else you can protect yourself.

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.

Why choose us for health insurance?

We’re proud our cover is 5 Star Rated by trusted industry expert Defaqto.

  • It takes a name you can trust
    Over 1.1 million people agree, and have health insurance with us [1]Footnote 1
  • 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 individual private medical insurnace

5 minutes and done

Get a quote, and your cover, in minutes. Stay protected for years.

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 ^ 4

0800 015 9830

Monday to Friday: 8:00am - 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.

Or get us to call you

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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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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?

Be the best you

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