What is couples’ health insurance?
Quick access to specialists 
Private health insurance can help shorten the wait times for consultations, tests and a diagnosis, so you can get back to doing what you love.
Extensive cancer care 
From diagnosis, treatment and recovery, we’ve got you covered. Plus, we partner with Macmillan Cancer Support to provide extra support.
Put your wellbeing first 
Our wellbeing benefits come at no extra cost. From the Aviva Digital GP app to health and fitness discounts, there’s something for everyone.*
One policy, one premium 
You’ll only pay one regular payment, making things easier to manage. And there’s no limit to how many children you can add, if and when the time comes.
* These benefits are non-contractual and can be changed or withdrawn at any time.
How our couples’ health insurance works
If you or your partner need to make a claim, our process is simple and straightforward. The first step is to get an open referral from a GP. Then you can make a claim online or over the phone, whatever’s easier for you.
What you get
Our core cover is anything but standard. It includes extensive benefits such as:
Conditions we cover
These are just some of the conditions covered by our health insurance.
- Short-term illnesses or injuries
Conditions that are likely to respond quickly to treatment, such as cataracts, hernias, gallstones and similar short-term conditions that can be treated and resolved. - Extensive cancer care
Full cancer cover, including diagnosis, treatment and aftercare. - Outpatient mental health support
Cover for up to £2,000 towards therapy or counselling for mental health conditions. - Musculoskeletal conditions
Physiotherapy, osteopathy and chiropractic treatment if referred by a specialist.
Important documents
Before you apply for health insurance with us, please make sure you’ve read the product information document and our terms and conditions.
For more detailed information you can read our Healthier Solutions brochure or about our health services.
You can also read about the different hospital lists we have on offer, including Hospital Options and Expert Select.
Why choose Aviva health insurance?
Over 1.2 million choose us for their health insurance, as at May 2026.
A doctor in your pocket - medical help any time, anywhere with the Aviva Digital GP app.*
We're proud to be 5 Star rated by Defaqto and Moneyfacts. That's quality you can rely on.
Get more from your cover with our wellbeing services, including health and fitness discounts.*
* These benefits are non-contractual and can be changed or withdrawn at any time.
Get a quote
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Couples health insurance FAQs
Can unmarried couples have a joint health insurance policy?
Yes, absolutely. You don’t have to be married to take out couples’ health insurance with us.
Is couples’ health insurance cheaper?
It could be cheaper to get joint cover, rather than two individual policies. This depends on how old each of the policyholders are, and which one is the main policyholder.
Does health insurance cover couples counselling?
Our health insurance covers you individually for therapy or counselling relating to mental health conditions such as anxiety, depression and OCD. It doesn’t cover relationship counselling.
Does Aviva health insurance cover pre-existing conditions?
Whether we can or can't cover a pre-existing condition, and how we deal with it, depends on the type of underwriting you choose.
A 'pre-existing' condition is when you've had symptoms, medication, advice, treatment, or diagnostic tests for a disease, illness, or injury before taking out health cover.
Your health insurance might not cover a pre-existing condition, because it's meant for new, unexpected, or short-term conditions that happen after you take out the policy.
Find out more about health insurance and pre-existing conditions.
Do I need to renew my health insurance policy every year?
Yes, you'll need to renew your policy every 12 months. We'll send you an invite to renew around 30 days before your renewal date, so you can check your details are still right and the cover still meets your needs.
If you've previously been a part of MyHealthCounts, our digital health and wellbeing programme, you'll also find out if you've qualified for a discount on your renewal premium.
Once you've checked all the renewal details, you can simply leave the rest to us if you don't need to make any changes. We'll automatically renew your policy on your renewal date and take payment (using the payment details we have saved for you). You'll then be covered for another 12 months, unless you stop making payments.