Up to 15% off health insurance

What is health insurance?

Health insurance, also known as private medical insurance, helps pay for private medical care for short-term injuries or illnesses. It gives you more control over your treatment choices and may reduce how long you wait for appointments, such as symptom diagnosis or surgery.

Why choose us for health insurance

We're delighted that our private health insurance has been awarded 5 stars by both Moneyfacts and Defaqto - two trusted industry experts. Here's some of the reasons why we're a leading provider of health insurance:

It takes a name you can trust
Over 1.2 million people agree, and have health insurance with us, as at year to date September 2025.
Access to 100s of hospitals nationwide
Whether you choose Expert Select or a hospital list, you'll have access to a wide range of private hospitals and facilities. These include Circle, Nuffield, Spire and NHS private units.
Quality you can rely on
Our health insurance is rated 5 Star by industry experts, Defaqto.
We reward loyalty ^{Footnote [2]}
Existing Aviva customers can get up to 10% ^{Footnote [3]} off new policies ^{Footnote [4]}.

Get up to 15% discount ^{Footnote [3]} on your first year premium ^{Footnote [4]}
If you meet our health-related eligibility criteria. Please view the My Healthy Discount ^{Footnote [5]} terms and conditions (PDF 65KB) for full details.
Renewal price guarantee ^{Footnote [4]}
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 63KB).

Get a quote "Get a health insurance quote"

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 GP referred physiotherapy, osteopathy, chiropractic and acupuncture
Extended hospital list
Protected No Claim Discount

More on enhancing cover "More on enhancing cover"

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

More on reducing cover "More on reducing cover"

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 can choose a wide range of private hospitals and facilities, including Circle, 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.
Mental health
You’ll get up to £2,000 of cover for out-patient mental health treatment, including therapy or counselling, for conditions such as anxiety, depression, eating disorders and OCD. You’ll also get access to our Stress Counselling helpline and other physical and mental health benefits, as part of our wellbeing services.

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
We won’t cover you for any medical conditions you have prior to joining us, unless your underwriting allows it. If you apply via moratorium underwriting then you don’t have to disclose any pre-existing conditions, unless there’s a claim. Find out more on 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 [6]}.
Cosmetic procedures and overseas treatment
We don’t cover cosmetic treatment (except following an accident or surgery for cancer) or treatment by providers that are overseas or not recognised by us.

Get a quote "Get a quote"

Already have health insurance?

You’ll get all the benefits and flexibility of our health insurance when you join us, even if you switch from another provider.

Switch your health insurance

Move your cover from another provider to Aviva and join over 1.2 million people who choose us for health insurance. When you switch, you could carry over your medical underwriting and exclusions from your current policy, depending on the answers you give on your application form.

Wellbeing services included in your cover

MyHealthCounts
A digital health and wellbeing tool designed to give you a better understanding of your current health and the lifestyle choices that impact it - with the potential to receive a discount on your renewal premium.
Aviva Digital GP ‡
24/7 access to GP video consultations and repeat NHS prescriptions via our app, at no extra cost.

Get Active ‡
Get fit and healthy with discounts on lifestyle products and access discounts at over 4,000 health & fitness clubs as well as at-home fitness products and online workouts.
24-hour Stress Counselling helpline
Trained professionals, available 24/7, and ready to help if you need a supporting ear.

Mental health support ‡
Materials on a range of topics, designed to educate and support you and your mental health.
Cancer Care with Get Active ‡
Discounts and services that can help with the daily lifestyle adjustments that a cancer diagnosis can bring.

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

Health insurance FAQs

Do I need to renew my policy every year?

Yes, you need to renew your policy every 12 months. We’ll send you a renewal invite around 30 days before your renewal date so you can check your details are correct and the cover still meets your needs.

If you’ve previously filled out our MyHealth Counts health questionnaire, you’ll also discover if your Q score has helped you secure a discount.

After checking all the renewal details, if you don’t need to make any changes, then simply leave the rest to us. On your renewal date, we’ll automatically renew your policy and take payment (using the payment details we have saved for you).

Does my health insurance cover me abroad?

Can I add others to my policy?

Yes, you can add other people to your policy if they’re part of your immediate family group. For example, this means you can add a spouse, a partner, or your children.

If you add two or more children aged 19 or under, you'll only pay for the oldest (until they turn 20). Plus, adding your partner to your health insurance could mean you pay less than if you both had your own individual policies.

Are there any age limits to buying health insurance?

Will my health insurance premiums change every year?

How much you pay for your health insurance might change year-to-year. Because when we work out your renewal price, we consider several factors. Some of them are about you specifically, like your age or postcode. Others are about what’s happening in the world or the insurance market in general, like the cost of medical treatments increasing.

Discover other factors that might cause your health insurance premiums to change.

See all health insurance FAQs

Ready to get a 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
The details of anyone else (such as a partner or children) to include on your policy.
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.

Customer obtaining a health insurance quote online

Or call us free ^{^}

0800 015 9830

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

Weekends and bank holidays: Closed

^ Calls may be recorded and/or monitored.

Learn about health insurance

We have a range of guides and tools to help you understand how health insurance works and what you’ll be covered for.

Mental health

Mindfulness in nature

Mindfulness activities in the outdoors could help your mental health.

Cover explained

Are pre-existing conditions covered by health insurance?

Here's why your health insurance might not cover a pre-existing condition.
Cover explained

How does private health insurance work

Explore the benefits, coverage, and limitations of private health insurance in our comprehensive guide.
Conditions

Health insurance: the different types and how affordable they are

Before you buy health insurance, consider your needs and your budget

You can find independent information about private consultants and hospitals, including costs and quality of care, from the Private Healthcare Information Network: www.phin.org.uk.

Health insurance