Get prompt, private treatment, so you can return to doing what you love
Our cover gives you the flexibility to make the right choices for you – we can help you find the hospital and consultant that will suit you best.
Aviva is the UK’s biggest insurance provider. We’ve been protecting people against the fear of uncertainty for over 300 years and helping our customers get prompt, private health treatment for over two decades.
If you’re diagnosed with cancer, one of our highly experienced case managers will support you throughout your treatment.
You'll have access to expert care from private specialists, and in some cases, treatments not available on the NHS.
Our cover is flexible, so you can make the right treatment choices for you. You can increase your core cover to give you full peace of mind, or decrease the cover and reduce your costs.
We know an expert view is reassuring. That's why you can call our UK based GPs and stress counsellors 365 days a year to discuss any health concerns you or your family may have.
Our private health insurance covers acute conditions that start after your policy begins. Here are some of the benefits included in our core cover. For the full list of benefits, conditions and exclusions, see our Healthier Solutions terms and conditions (PDF 2.06MB).
Cover options to suit you
Remember, by enhancing your cover, you're increasing your premium.
Like most private health insurance policies, we don't cover pre-existing conditions, and how we deal with previous conditions depends on the type of underwriting that you choose. There are also some specific treatments and conditions not covered. See our summary of exclusions or terms and conditions (PDF 2.06MB) for details.
Once you have Aviva’s private health insurance, you’ll get access to a whole range of customer benefits, including:
If you're leaving your company but want to carry on with your private health insurance, you can. Give us a call and we'll do our best to move you to individual private healthcare without further medical underwriting. Remember, benefits may differ on an individual policy.
Or call us on: 0800 015 2470
Monday to Friday, 8.00am – 8.00pm
Calls may be monitored and/or recorded.
Here are some common questions about private health insurance. We're always happy to answer any question you have about our products, so if you can't find an answer here, please call our team on 0800 056 3008 quoting the reference: INT HS1.
Private health insurance helps you get prompt, private treatment if you're unwell. It's designed specifically to treat acute conditions that start after your policy begins: an acute condition is a disease, illness or injury that's likely to respond quickly to treatment so that you can return to your previous level of health. You pay a premium to us, and in return, we'll provide you with healthcare benefits. It gives you peace of mind, knowing that you can get the treatment and care you need, promptly.
Our private health insurance gives you extra benefits that can help you maintain your wellbeing and improve your fitness. These include up to 25% off selected UK gym memberships and access to our online health programme MyHealthCounts.
If you take out our private health insurance online, we’ll use our moratorium underwriting criteria. This means that you won’t need to complete an in depth health questionnaire, but your cover will exclude any pre-existing disease, illness or injury (whether or not diagnosed), based on the following:
If you have a policy with another provider at the moment, and want to find out more about the cover we could give you, call our team of friendly experts on 0800 092 4371.
We’re developing a number of networks of facilities, specialists or other practitioners that we recognise to provide the treatment required for a specific condition or suspected condition.
By creating networks, Aviva has more control over the treatment pathway. This means we can drive better commercial deals, which helps us maintain affordable prices. What’s more, by controlling the treatment pathway we can give our customers greater assurance when it comes to clinical quality and treatment.
Our networks are updated frequently as we work to ensure we get the best possible service for our customers. We regularly add or evolve networks, or in the event that a facility/specialist is no longer suitable for a network we may remove them.
When you take out private health insurance with us, you'll decide which hospital list (PDF 2.03MB) you'd like us to use if you need to make a claim on your policy. These lists offer a range of hospitals and clinics at which you could get treatment or have more investigations, nationwide, with appointments that will be made at your convenience. You can choose a list that matches your budget.
Remember if we have a network for your condition or suspected condition you’ll still need to use our network facility for your treatment rather than a hospital on your list.
There are some specialists’ fees that may fall outside the scope of your cover. It’s important to us that you’re confident and comfortable with the policy you buy, so we’re happy to talk through any concerns you have about fees over the phone. If we can’t answer your questions immediately, we’re also happy to call you back with the information you're looking for.
Your policy is designed specifically to treat acute conditions that start after your policy begins (an acute condition is a disease, illness or injury that’s likely to respond quickly to treatment so that you can return to your previous level of health). All of our policies have standard exclusions, which will be listed in detail in your policy documents. A guide to the standard exclusions for Healthier Solutions is included on our summary of exclusions page. Depending on your medical history, we may add limitations to your policy – but these will be explained in detail, and you’re welcome to ask us questions about them at any time.
We say ‘private health insurance’ most often, but providers could use both terms to describe the same thing. A policy that helps you get private treatment could be called private health insurance or private medical insurance.
You’ll get a number of additional extra benefits with Healthier Solutions that could help you look after your health. As well as giving you access to those features, we also include discounts and rewards for good health, which could help you reduce the cost of your private health insurance when it’s time for renewal.
If you’re sick or injured, one of the last things you want is a stressful claims process. Our claims team understands that you might not be feeling 100%, and they do their best to make sure things go smoothly. You can start by making a claim online or by speaking to us directly, whichever you find most convenient.
Best of all, we can approve most claims over the phone and we’ll settle bills directly with the hospitals so that you don’t have to worry about too much paperwork.
Our specialist oncology claims department has team members trained to deal with the harrowing circumstances surrounding a claim for cancer treatment.
An in-patient is someone who is admitted to hospital and who occupies a bed overnight or longer, for medical reasons. As a day-patient, you would be admitted to a hospital or day-patient unit because you need a period of medically supervised recovery but do not occupy a bed overnight. An out-patient is someone who attends a hospital, consulting room or out-patient clinic and is not admitted as a day-patient or in-patient.
Your step by step guide to making a claim, as well as who to call to do it.
View your policy documents and change some personal details with MyAviva.
To renew your policy please call one of our team who will be happy to help.
0800 092 4590
Monday to Thursday 8.30am – 8.00pm
Friday 8.30am – 6.00pm
Saturday 9.00am – 1.00pm
For our joint protection, telephone calls may be recorded and/or monitored.
Call us on: 0800 056 3008
Monday to Friday 8.00am – 8.00pm
For our joint protection, telephone calls may be recorded and/or monitored.
Find a hospital near you, covered by your policy.