Private Health Insurance
Get healthcare when you need it – and one month of cover for free *
Get a quote Retrieve a quote
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 (325 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
Learn more about excluded conditions and what we’re unable to cover.
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
Private Health Insurance policy documents
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 standalone health insurance products, offering cover for cancer and physio care.
Health articles
Keep on top of your health and wellbeing with our guides and articles.
6 Jul 2018
Protecting your lungs
Ways you can keep your lungs healthy and help avoid pneumonia, COPD and cancer.
Learn simple steps
2 Jul 2018
Aches and pains
Diet and exercise, avoiding falls and tips for a quick recovery.
Read our guide
18 Jun 2018
How to prevent sports injuries
Regular exercise has lots of health benefits, so here's how to avoid injuries that keep you from staying active
Safer exercise tips
5 Jun 2018
How to keep your teeth healthy
Simple rules to take care of your teeth and gums, and help protect against serious medical conditions.
Get dental tips
22 May 2018
Virtual physiotherapy
What is 'virtual physiotherapy' and could it help ease your back pain?
See treatment details
22 May 2018
Avoiding joint injuries
Read our helpful information on how to avoid joint injuries and help ease any knee, hip or shoulder pain.
How to protect joints
21 May 2018
Lowering your blood pressure
Simple ways to help lower your blood pressure and protect yourself from serious illness
Blood pressure guide
10 May 2018
How to maintain a healthy diet
Eating well is one of the lifestyle choices that can have the biggest impact on your health. Keep a healthy diet and you could reduce the risk of serious illness
Read our diet tips
25 Apr 2018
The benefits of acupuncture
Could acupuncture help with your headaches, migraines, joint pain or neck pain?
See acupuncture facts
15 Apr 2018
How to take care of your eyes
Find out how to prevent sight loss through diet, eye protection and regular check ups
Eye care advice
2 Apr 2018
How to relieve back pain
Try these short-term, at-home treatments: physiotherapy, osteopathy or acupuncture.
See treatment options
15 Mar 2018
How to get a good nights sleep
Experience the physical and mental health benefits of rest.
Read our sleep guide
Need help? Ask our chatbot
Contact us
Still need help? Give us a call.
Monday to Friday 8:00 20:00
For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of five years. Calls to 0800 numbers from UK landlines and mobiles are free.