Health insurance

Access to quality healthcare

Get a quote Retrieve a quote Call us

To get a quote by phone, call us on 0800 068 3827, Monday to Friday, 9am to 6pm^.

Outside of these hours, we’ve teamed up with Usay, an independent healthcare broker, so you don’t have to wait to get a quote. Call Usay on 01285 707 050, Monday to Thursday, 6pm to 9pm, Friday, 6pm to 7pm, or Saturday, 9am to 5pm.

Or, if you prefer, you can find another broker online.

What is health insurance?

It’s a type of cover that pays your private healthcare costs if you have a treatable condition.

Whether it’s overnight hospital care, outpatient treatment, diagnostic tests, scans or aftercare, you get specialist private treatment when you need it, if it’s covered by your policy.

With our cover, you can be reassured that you’ll get prompt access to the healthcare and expertise that’s right for you.

Cancer care cover

Cover for cancer diagnosis, treatment and aftercare as standard 

Access to 100s of hospitals

Including BMI, Nuffield Health and Spire Healthcare

Aviva Digital GP

Around the clock access to GP video consultations

Do I need health insurance?

Even if you have access to free NHS care, you might want health insurance to feel more in control of when, how and where you’re treated.

This can mean faster specialist treatment than NHS waiting lists, allowing access to the hospital and consultant of your choice, and a private, en suite room.

You’ll be able to talk about your treatment with your consultant and ask them any questions.

Think of it as the care you need, in a comfortable environment, without the wait 1.

How does health insurance work?

You choose the features you need from our Healthier Solutions product and pay a premium.

Then, if you fall ill with a short-term illness or injury, and are referred for treatment by your GP, we can help you choose from hundreds of high-quality private facilities and hospitals.

Whichever features you choose, you’ll get extensive cover for cancer diagnosis, treatment and aftercare as standard.

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

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)

Already have health insurance?

Leaving an Aviva work health insurance scheme

Continuing your cover with us is easy 2.

Just call us on:
0800 015 2470

Monday to Friday: 9am to 6pm

Moving to us from another insurer

To talk about switching to us, call us on:

0800 068 8174

Monday to Friday: 9am to 6pm

Outside of these hours, call Usay, an independent healthcare broker, on:

01285 707 050

Monday to Thursday: 6pm to 9pm
Friday: 6pm to 7pm
Saturday: 9am to 5pm

Calls may be monitored or recorded. Calls to 0800 numbers from UK landlines and mobiles are free.

Why choose us for health insurance?

Our cover’s recognised by industry experts, and we’ve won company of the year for 10 years running. Here’s how you can count on us:

Health Insurance & Protection Awards 2019 - 'Company of the Year' winner and 'Best Individual PMI Provider' winner
  • Expert claims team
    Direct access to an experienced, responsive team
  • Aviva cancer pledge
    We’ll cover treatment and palliative care, as well as aftercare
  • MyAviva
    Start a claim quickly online and have your policies in one place
  • We’re the largest UK insurer
    With 15 million UK customers

How we deal with pre-existing conditions

When you apply for health cover, you can choose which type of underwriting we use to assess your pre-existing medical conditions.

What’s moratorium and full medical underwriting?

They’re the two types of underwriting you’ll choose from. Not sure which to go for? We’ve got an article and video to help.

What does our health insurance cover?

Our policy offers wide-ranging cover against illness, cancer, accidents and curable diseases.

You’re covered for
  • Acute conditions
    Our health insurance covers treatment for short-term illnesses or injuries that respond quickly to treatment (such as viruses or infections)
  • Access to 100s of hospitals
    Choose from a wide range of private UK hospitals and facilities, featuring the likes of BMI, Nuffield and Spire – you’ll also get access to NHS and Trust Partnership hospitals
    Private UK hospitals list (PDF 472 KB)
  • Cancer care cover
    Cover for cancer diagnosis, treatment and aftercare as standard – read more about our cancer pledge
  • Hospital charges and specialist fees
    Our health insurance provides comprehensive cover, from diagnostic tests, such as x-rays and scans, to specialists’ fees and aftercare
  • Outpatient consultations and treatment
    Enjoy comprehensive outpatient cover, including diagnostic tests, consultations with fee-approved specialists and specialist treatment – including radiotherapy and chemotherapy
What you're not covered for
  • Chronic conditions
    We can’t cover incurable long-term illnesses such as diabetes, arthritis, epilepsy and asthma – please note that cancer care 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 will only be covered if 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 only cover treatment for complications during pregnancy and childbirth 3

Total cover for you and your family

We can also cover your spouse, partner, civil partner and children. Here are just a few of the ways we'll take care of you.

24-hour stress counselling helpline

If you’re stressed and want to talk to someone, our experienced counsellors are available 24 hours a day, 7 days a week (if you’re aged 16 or over)

Gym membership discount

You and your family can stay active with up to 25% off membership of some of the UK's leading health and fitness clubs 4

Couples pay less

You'll pay 9% less if you add your partner to your policy (compared to the combined price of taking out individual policies) 5

Add younger kids free

Add 2 or more children aged 19 or under to your policy and you’ll only pay for the eldest (until they turn 20) 3 5



An online tool that helps you to understand how lifestyle choices affect your health. You can use it to manage your health and wellbeing, with the potential for a discount at your next renewal 4

How much does health insurance cost?

It depends on things like your age and where you live and, if you’re switching to us, your claims history.

But you can control the features you have and don’t have, which can increase or decrease your premiums.

Enhance your cover

Add these options to your basic cover, if they’re important to you:
  • Dental and optical cover: for routine dental treatment and optical expenses
  • Mental health treatment: to add day patient and inpatient care to your core outpatient cover for acute psychiatric conditions
  • Extended hospital list: to increase the number of hospitals you're able to use
  • Other treatment and therapies: such as a physiotherapist, osteopath, chiropractor or acupuncturist referral if you have a sports injury or whiplash after an accident
  • No claim discount protection: a small sum to help keep future premiums down

Reduce your cover

Choose from these options to make your premiums more affordable:
  • Use the NHS for some services: you'll still be covered for private inpatient and day patient care if NHS treatment isn't available within six weeks
  • Policy excess: pay towards the cost of a claim – choose from £100, £200, £500, £1,000, £3,000 or £5,000 – no more than once per person, per policy year 
  • Reduced hospital list: instead of our Key hospital list, you can choose the Signature hospital list, which includes hospitals in Scotland and Northern Ireland only, or the Trust hospital list of NHS Trust and Partnership private hospital units, if you live within the catchment area. Though you may still need to be treated at a hospital on one of our specific networks, depending on your symptoms or condition

Health insurance overseas

Can I get health cover if I live outside the UK?

No, you need to be a permanent UK resident to take out our health insurance.

Will health insurance cover me for travel outside the UK?

No, we don't offer international health insurance. If you're a UK resident and take out health insurance with us, your policy will offer limited inpatient or day patient emergency overseas cover 3.

You'll only be covered for emergency conditions that are serious enough to need immediate inpatient or day patient hospital care. If you need to be covered for more than this when you're outside the UK, you might want to consider taking out travel insurance.

Ready to get cover?

Call us for a quote

0800 068 3827

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

Request a call back

Call Usay for a quote, evenings and weekends

0128 570 7050

Monday to Thursday: 6:00pm - 9:00pm

Friday: 6:00pm - 7:00pm

Saturday: 9:00am - 5:00pm

^ Calls may be monitored or recorded. Calls to 0800 numbers from UK landlines and mobiles are free.

Existing customer?


Manage your cover with MyAviva

  • Update your details
  • Start a claim
  • View your policies
  • View your discounts
Please note the MyAviva app is not currently available in the Isle of Man.

How our claims process works

Once you’re covered with us, making a claim and accessing private treatment is quick and easy.

Step 1

Visit your GP

See your GP or contact Aviva Digital GP if you're feeling unwell. If they want you to see a specialist, just tell them you've got health insurance with us. If you ask for an open referral, we can help you find a hospital and consultant that's covered by your policy.

Step 2

Make a claim

You can make a claim quickly online using MyAviva or over the phone. We'll just need to know your symptoms, when they started, and what you've been referred for. If we approve your claim, you'll get the private treatment you need. 

Step 3

And we’ll pay for treatment

After you've received any eligibile treatment, send us your invoices. We settle most bills directly with the hospital or specialist, but we'll contact you if you need to pay any part of an invoice, for example, if you have an excess.


Can’t see what you need?

Take a look at our other products that can help you protect your health. There’s no cash-in value at any time.

Cancer Essentials

Get a cash benefit on diagnosis and money towards cancer drug costs.

Age: 18-69

Cover: £5,000 cash benefit

Payment: When we've received a letter from the GP and specialist

Physio Essentials

Flexible treatment options to recover from illness and injury.

Age: 18 or over

Cover: Face-to-face and virtual physiotherapy


Critical Illness Plan

Financial support if you or your children are diagnosed with one of the 53 conditions we cover.

Age: 18-64

Cover: Up to £1,000,000

Payment: If you become critically ill and live for 10 days after diagnosis