What is health insurance?
It’s cover that helps pick up the bill for private medical care for a future short-term injury or illness, and is also known as private health insurance or private medical insurance.
You can take it out for you, your partner and your family, and having cover in place could make you feel more prepared for any eligible health-related bumps or bends in the road ahead. Our insurance can offer more control over your treatment choices, and help soothe worries about how long you might wait for an appointment, from a private GP consultation, 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?
The benefits of our health insurance
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.
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.
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 not covered
Policy documents
See a full list of what’s covered in our policy wording.
Healthier Solutions Insurance Product Information Document (PDF 98 KB)
Healthier Solutions brochure PDF (4.9 MB)
Expert Select flyer (PDF 1 MB)
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?
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Leaving an Aviva health insurance scheme?
Continuing your cover with us is easy. [3]Footnote 3 Call us on: [4]Footnote 4
Monday to Friday: 9:00am – 5:00pm
Weekends and Bank Holidays: Closed
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Moving to us from another insurer
To talk to us about switching, just call us on [4]Footnote 4 :
Monday to Friday: 9:00am – 6:00pm
Weekends and Bank Holidays: Closed
Why choose us for health insurance?
We’re proud our cover is 5 Star Rated by trusted industry expert Defaqto.

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
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

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?
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