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:
What does our health insurance cover?
Core cover
Benefits that come as standard with our health insurance:
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
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 common 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 [5]. - 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.
Who do we cover?
Choose who you want your health insurance to cover. Whether it’s just for you, for you and your partner, or a policy that includes immediate family members.
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 Footnote [2] 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.
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 unlimited access around the clock to GP video consultations 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 provided 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.
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: 8:00am - 6:00pm
Weekends and bank holidays: Closed
^ For our joint protection, telephone calls may be recorded and/or monitored. 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.
Or get us to call you
Health knowledge centre
A range of articles to help you understand how health insurance works and what you’ll be covered for.
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.
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