Health Insurance

Healthcare when you need it, and a month of cover for free +

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What is Health Insurance?

It’s a type of cover that pays your private healthcare costs if you have a treatable condition.

Whether it’s overnight hospital care, out-patient treatment, diagnostic tests, scans or aftercare, you get specialist private treatment when you need it, if it’s covered by your policy.

With our cover, you can be reassured that you’ll get prompt access to the healthcare and expertise that’s right for you.

Cancer care cover

Cover for cancer diagnosis, treatment and aftercare as standard 

Access to 100s of hospitals

Including BMI, Nuffield Health and Spire Healthcare

Aviva Digital GP

Around the clock access to GP video consultations

Do I need Health Insurance?

Even if you have access to free NHS care, you might want Private Health Insurance to feel more in control of when, how and where you’re treated.

This can mean faster specialist treatment than NHS waiting lists, allowing access to the hospital and consultant of your choice, and a private, en suite room.

You’ll be able to talk about your treatment with your consultant and ask them any questions.

Think of it as the care you need, in a comfortable environment, without the wait 1.

How does Health Insurance work?

You choose the features you need from our Healthier Solutions product and pay a premium.

Then, if you fall ill with a short-term illness or injury, and are referred for treatment by your GP, we can help you choose from hundreds of high-quality private facilities and hospitals.

Whichever features you choose, you’ll get extensive cover for cancer diagnosis, treatment and aftercare as standard.

And when you make a claim, we’ll make sure it’s quick and hassle-free, so you can concentrate on getting better.

Our awards and ratings

Don’t just take our word for it – here’s how our great customer service and quality cover have been recognised and rated by industry experts.

2018 Health Insurance Awards - Winner: 'Company of the year'
2018 Health Insurance Awards - Winner: 'Best Individual PMI Service Provider'
2018 Health Insurance Awards - Winner: 'Best Customer Service Provider'
Defaqto 5 star rated Individual private health insurance provider

What’s covered with Health Insurance?

Our policy offers 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

How we deal with pre-existing conditions

When you apply for health cover, you can choose between moratorium and full medical underwriting. Not sure which to go for? We’ve got an article and video to help.

Total cover for you and your family

We can also cover your spouse, partner, civil partner and children. Here are just a few of the ways we'll take care of you.

24-hour stress counselling helpline

If you’re stressed and want to talk to someone, our experienced counsellors are available 24 hours a day, 7 days a week (if you’re aged 16 or over)

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



An online tool that helps you to understand how lifestyle choices affect your health. You can use it to manage your health and wellbeing, with the potential for a discount at your next renewal

How much does Health Insurance cost?

It depends on your circumstances and the features you choose, so consider what’s important to you. Enhancing your cover will increase what you pay, and opting out of features you don’t need, or paying an excess, will reduce your premiums.

Your age and where you live also affects what you pay, along with your claims history, if you’re switching from another provider.

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
    Enhance your core out-patient cover with cover for treatment as an in-patient or day-patient if you’re diagnosed with an acute psychiatric condition
  • Upgrade your hospital list
    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. 
  • 6-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 within 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
  • Change your hospital list
    Reducing how many hospitals you can choose from can help bring your insurance costs down 

Free cover for your first month

Get our Health Insurance today and we’ll give you your first month’s cover free of charge +.

Want to move your Health Insurance to us?

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 ^

Get 2 months of free cover when you switch

Switch from your existing provider to our Private Health Insurance today and we'll give you 2 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 7 - so you can count on us to help you overcome illness or injury.


Visit your GP

See your GP or contact Aviva Digital GP if you're feeling unwell. If they want you to see a specialist, just tell them you've got private health insurance with us. If you ask for an open referral, we can help you find a hospital and consultant that's covered by your policy.


Make a claim

You can make a claim quickly online using MyAviva or over the phone. We'll just need to know your symptoms, when they started, and what you've been referred for. If we've approved your claim, you'll get the private treatment you need. 


And we’ll pay for treatment

After you've received any eligibile treatment, 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?

Take a look at our other products that can help you protect your health. There's no cash-in value at any time.

Cancer Essentials

Get a cash benefit upon diagnosis and money towards cancer drug costs.

Age: 18-69

Cover: £5,000 cash benefit

Payment: When we've received a letter from the GP and specialist

Physio Essentials

Flexible treatment options to recover from illness and injury.

Age: 18 or over

Cover: Face-to-face and virtual physiotherapy


Critical illness cover

Financial support for you and your children if you're diagnosed with 1 of the 53 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

Health articles

Keep on top of your health and wellbeing with our guides and articles.

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Contact us

Still need help? Give us a call

0800 068 1227

Monday to Friday 8:00am - 8:00pm

^ For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. Calls to 0800 numbers from UK landlines and mobiles are free.