Private Health Insurance
Get healthcare when you need it – and one month of cover for free *
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Make waiting lists a thing of the past
Our Private Health Insurance gives you access to high-quality medical facilities across the UK. Get control over your healthcare and the treatment you need – without lengthy waiting lists.
Access to 100s of hospitals
Including BMI, Nuffield Health and Spire Healthcare hospitals
Hospital charges & specialist fees
We’ll cover accommodation, meals, nursing care, drug costs and much more
Cancer care cover
Cover for cancer diagnosis, treatment and aftercare as standard
You’ll enjoy benefits 1 such as an en suite room if you need to stay in hospital. Prompt access to a consultant is available for both treatment and advice. And with no lengthy NHS waiting lists for operations, you won't have to wait too long for the treatment you need.
What’s covered with Private Health Insurance?
Our policy is designed to offer wide-ranging cover against illness, cancer, accidents and curable diseases.
- Acute conditions
Our Private 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 & specialist fees
Our Private Health Insurance provides comprehensive cover, from diagnostic tests such as x-rays and scans, to specialists’ fees and aftercare
- Out-patient consultations and treatment
Enjoy comprehensive out-patient cover including diagnostic tests, consultations with fee-approved specialists and specialist treatment – including radiotherapy and chemotherapy
- Chronic conditions
We cannot cover incurable long-term illnesses such as diabetes, arthritis, epilepsy and asthma – please note that cancer care is covered as standard
- Pre-existing conditions
We’re unable to cover any previous health condition you’ve had prior to applying for our cover
- Pregnancy and childbirth
We only cover treatment for complications during pregnancy and childbirth 2
Total cover for you and your family
It's not just about you – we can also cover your spouse, partner, civil partner and children. Here's just a few ways we'll take care of you.
Aviva Digital GP
Get access to 24-hour GP consultations with in-app chat and pharmacy support at no extra cost, plus order your NHS repeat prescriptions with free delivery - all in one app.
25% gym membership discount
You and your family can stay active with 25% off access to some of the UK’s leading health and fitness clubs
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) 3
Add younger kids free
Add 2 or more children aged 19 or under to your policy and you’ll only pay for the eldest 3
Tailor your cover
Not everyone needs the same level of cover. That’s why we’ve got a range of options you can add to your policy for an additional cost. You can also make your insurance more affordable by opting out of some cover options – the choice is yours.
Increase your cover
- Dental and optical
Cover for routine dental treatment and optical expenses
- Mental health treatment
Cover for in-patient and day-patient treatment if you’re diagnosed with an acute psychiatric condition
- Upgrade your hospital list
You can choose to upgrade to our Extended Hospital List – increasing the number of hospitals you're able to use
- Other treatment and therapies
Get cover for physiotherapist, osteopath, chiropractor and acupuncturist referrals if you suffer an accident such as whiplash or a sports injury
- No Claims Discount protection
Protect your No Claims Discount (NCD) for a small cost and help keep future premiums down
Reduce your cover
- Six-week option
Reduce your premium by choosing to use the NHS for certain services – you'll still be covered for private in-patient and day-patient care if NHS treatment isn't available in 6 weeks
- Policy excess
Reduce your premium by selecting an excess you'll pay towards the cost of any claim – choose from £100, £200, £500, £1,000, £3,000 or £5,000 a year 4 - Reduce your hospital list
Lessening the number of hospitals you can choose from can also help bring your insurance costs down
Free cover for your first month
Get our Private Health Insurance today and we’ll give you your first month’s cover free of charge *.
Transferring from a company scheme?
If you're covered by a health policy in a job you're leaving, you could continue your cover with us 5.
Give us a call
0800 015 2470
Monday to Friday, 8am to 8pm
Two months of free cover when you switch
Switch from your existing provider to our Private Health Insurance today and we'll give you two months' of cover, absolutely free 6.
Give us a call
0800 068 8174
Monday to Friday, 8am to 8pm
How our claims process works
Once you’re covered with us, making a claim and accessing private treatment is quick and easy.
We paid out nearly £403 million in claims during 2017 – so you can count on us to help you overcome illness or injury.
Visit your GP
See your GP as normal if you're feeling unwell. If they want you to see a specialist, just tell them you've got Private Health Insurance with us. They’ll give you a referral and we’ll handle it from there.
Make a claim
You can make a claim quickly online using MyAviva or over the phone. We'll just need to know your symptoms and what you've been referred for. Once we've approved your claim, you'll get the private treatment you need.
And we’ll pay for treatment
After you've been treated, 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.
Looking for different cover?
We’ve got other products that can help you protect your health. There is no cash-in value at any time.
Cancer Essentials
Get a cash benefit upon diagnosis and money towards cancer drug costs.
Age: 17-80
Cover: Up to £5000 cash benefit
Payment: Once you’ve had a GP’s referral letter to see a specialist
Physio Essentials
Flexible treatment options to recover from illness and injury.
Age: 18 or over
Cover: face-to-face and virtual physiotherapy
Payment: When you’ve had a telephone clinical assessment (TCA)
Critical Illness cover
Financial support for you and your children if you're diagnosed with 1 of the 54 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
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Keep on top of your health and wellbeing with our guides and articles.
6 Jul 2018
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Simple ways to help lower your blood pressure and protect yourself from serious illness
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How to relieve back pain
Try these short-term, at-home treatments: physiotherapy, osteopathy or acupuncture.
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How to get a good nights sleep
Experience the physical and mental health benefits of rest.
Read our sleep guide
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Contact us
Still need help? Give us a call.
Monday to Friday 8:00 20:00
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