Private Health Insurance

Get healthcare when you need it – and one month of cover for free +

Get a quote Retrieve a quote

We’ll be working on our systems this weekend – so if you’re looking to get a quote or use MyAviva, you’ll need to do so before 6pm on Friday. We’ll be back online by Monday morning.

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.

You’re covered for
  • 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 472KB)
  • 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
What you're not covered for
  • 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

Boost your basic cover with these policy options. 
  • 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

Make your cover more affordable by opting out of some policy features or paying an excess. 
  • 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 +.

Aviva Investment Account

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

Need help? Ask our chatbot

Contact us

Still need help? Give us a call.

0800 068 3827

Monday to Friday 8:00 20:00

For our joint protection, telephone calls may be monitored and will be recorded and saved for a minimum of five years. Calls to 0800 numbers from UK landlines and mobiles are free.