What is health insurance?
Health insurance can give you easy access to private medical treatment and consultations. You pay a premium, and we'll cover all or some of the costs of treatment for you, your partner, or any family members that are on the policy.
We cover a range of acute short-term illnesses or injuries, as well as all stages of treatment for cancer. Our insurance gives you the flexibility to enhance or reduce this cover according to your budget and needs. Please note, we don’t cover chronic conditions (except cancer) or any pre-existing conditions you had before you took out your policy with us.
Private treatment could mean shorter wait times, so you don’t have to put your health on hold. You'll also get added benefits, like 24/7 access to GP video consultations and discounts on health and fitness clubs.
The benefits of our health insurance
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It takes a name you can trust
Over 1.2 million people agree, and have health insurance with us, as at year to date June 2024.
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Cut down the waiting time
Private health can help bring down how long you’ll wait for elective procedures, tests, and consultations, which can really benefit you if you have urgent health needs.
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Wellbeing benefits and rewards
From mental health support to discounts on top brands (including Fitbit and Gousto) and health and fitness clubs nationwide – be on your A game with our wellbeing services.
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Extensive cancer care
Cancer diagnosis and treatment is covered as standard. Chemotherapy, radiotherapy and dedicated aftercare and monitoring are all covered, meaning you’ll have support at every stage of treatment and recovery.
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Mental health cover
Common mental health conditions like anxiety, depression, eating disorders and OCD are covered for up to £2,000 of outpatient mental health treatment, including therapy and counselling. All you need is a GP referral.
How much does health insurance cost?
The price of health insurance varies, but on average, our health insurance costs less than £37.00 a month Footnote [1]. That's equivalent to £1.19 a day – less than your daily coffee. Some of the main factors that influence price include:
- Age & location – the older you are the more likely you may be to make a claim, while some locations of the UK are more expensive than others for private healthcare.
- Claim history – the number of past claims you’ve made may impact your premium.
- Cover – the type of policy you choose will determine price, for example if you add family members or decide to tailor to your budget and needs.
- Policy excess – the higher your excess the lower your premium is likely to be.
Can I get a discount?
Existing customer discount – as a reward for your loyalty, you’ll get up to 10% Footnote [2] off your new health policy if you already own an Aviva product.
Renewal price guarantee Footnote [3] – we guarantee your first renewal premium won't increase, as long as you haven't made a claim that's reduced your no claim discount level. T&Cs apply.
My Healthy Discount Footnote [3] - you could save up to 15% on your first year premium if you meet our health-related eligibility criteria. The discount will reduce over future renewals. Read full T&Cs.
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 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.
Health knowledge centre
Articles to help you understand health insurance and the conditions we cover.
What does our health insurance cover?
Our health insurance is customisable to your budget and needs. Core cover comes as standard, but you can choose to enhance or reduce your policy as you wish.
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 outpatient 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 [4]. - 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.
Wellbeing services included in your cover
- MyHealthCounts
An online tool to measure your health and potentially give you a discount on your renewal premium. - Aviva Digital GP
24/7 access to GP video consultations and repeat NHS prescriptions via our app, at no extra cost‡
- Get Active
Get fit and healthy with discounts on lifestyle products and offers at over 3,000 health and fitness clubs ‡ - 24-hour Stress Counselling helpline
Trained professionals, available 24/7, and ready to help if you need a supporting ear.
- Mental health support
Materials on a range of topics, designed to educate and support you and your mental health‡ - Cancer Care with Get Active
Discounts and services that can help with the daily lifestyle adjustments that a cancer diagnosis can bring.‡
‡ These services are non-contractual and can be changed or withdrawn at any time.
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
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
- The details of anyone else (such as a partner or children) to include on your policy.
- 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: 9:00am - 6:00pm
Weekends and bank holidays: Closed
^ For our joint protection, telephone calls may be recorded and/or monitored.
How to claim
Make a health insurance claim quickly online or over the phone.
Our health tools
Keep an eye on your health with these useful tools.
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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