Does our health insurance cover over 60s?
Our health insurance is available to anyone aged 18 or over, with no maximum age limit. You’ll pay a regular premium for access to private medical treatment.
We usually cover health conditions that happen after the first day of your policy. We don't cover pre-existing conditions you have seen a doctor about or had treatment for.
What are the benefits of our health insurance
Extensive cancer care 
We partner with Macmillan Cancer Support to make sure you’re supported every step of the way, from diagnosis to treatment and recovery.
Shorter wait times for treatment 
You could get treatment quicker with private healthcare, helping you to get back to your normal self as soon as possible.
Added extras for your health and wellbeing 
Our wellbeing benefits come at no extra cost, including the Aviva Digital GP app and health and fitness discounts.^
^ Non-contractual benefit which can be changed or withdrawn at any time.
What isn't covered by our health insurance
We don’t cover conditions which you have prior to joining the policy – pre-existing health conditions. So if you’re given advice, medication, treatment or tests for a symptom before you take out health cover – you won’t be covered.
We also don’t cover the long-term treatment and maintenance of chronic conditions such as:
You can find out more about what is and isn’t covered on our health insurance page.
How much does health insurance cost for over 60s?
Why choose Aviva health insurance?
“It was very reassuring to know Aviva were there in the background" - John is one of 1.2 million customers who choose us for health insurance, as at May 2026.
When it comes to cancer care, we’ve got you covered. We’ll support you through your diagnosis, treatment and recovery.
A doctor in your pocket – medical help any time, anywhere with the Aviva Digital GP app.^
Get more from your cover with our wellbeing services, including health and fitness discounts.^
Our cover has a Defaqto 5 Star Rating. That’s quality you can rely on.
^ Non-contractual benefit which can be changed or withdrawn at any time.
Ready to get a quote?
Explore our health insurance 
If you’re not ready to get a quote, you can find all the information you need on our health insurance page.
Arrange a call 
You can get a quote easily online or over the phone by calling 0800 015 9830 Footnote [1].
Health insurance FAQs
Does Aviva health insurance cover pre-existing conditions?
How we deal with pre-existing conditions, and if we can or can’t cover one, 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.
Are there any age limits to buying health insurance?
You need to be aged 18 or over to take out a health insurance policy with us.
Can I change my health insurance policy mid-term?
Yes, you can make certain changes to your personal or policy details at any time. This might include changing the name, title or address of anyone on the policy; correcting any information shown on the policy schedule; or removing members from the policy. To tell us about any changes, call us on 0800 068 3827.
At renewal, you could enhance or reduce your cover, such as adding routine dental and optical treatment or changing your hospital option. We'll need to check your claim history before deciding if we can make these changes, and it may affect how much you pay.
Calls may be recorded or monitored. Calls to 0800 numbers from a UK landline or mobile are free Footnote [1].
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.
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.
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.
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