Aviva Health Insurance review

Insurer Spotlight: Aviva Health, Healthier Solutions Review

If you've been exploring the options available to you regarding health insurance, you'll probably have come across Aviva and their Healthier Solutions consumer product.

As one of the UK's leading insurance providers, Aviva's private health insurance offers competitively priced policies to suit all needs, whether you're looking for a policy that covers just you or the whole family,

In addition, Aviva Health Insurance gives its customers access to a range of exciting perks designed to help them focus on their overall health and fitness.

This guide will introduce you to Aviva private healthcare and the pros and cons of taking out a policy with Aviva, helping you make the right choice regarding health insurance.

An Introduction to Aviva

Aviva is one of the UK's largest insurers. It's what's known as a composite insurer, meaning it offers a range of insurance types, including house, car and pet insurance.

We're interested in Aviva's private healthcare insurance product, which operates under the trading name Aviva Health UK Limited, which is authorised and regulated by the Financial Conduct Authority.

As of May 2023, Aviva has over 1.1 million health insurance customers in the UK.

Aviva Health Insurance

A Closer Look at Aviva Health Insurance

Aviva's private healthcare product insurance product is called Healthier Solutions. Aviva's mission statement is to provide you and your family with simple and affordable, quality healthcare by taking out a policy.

A key feature of Healthier Solutions is that a policy can be tailored to the needs of the individual, with different levels of coverage available. Flexibility is a fundamental aspect of Aviva medical insurance, so there's no 'one-size-fits-all' approach.

Key Features of Aviva Private Healthcare

Aviva's Healthier Solutions health insurance offers three levels of cover:

Core Cover

This is the standard offering from Aviva healthcare insurance:

  • Consultations and/or treatment with a specialist
  • Diagnostic tests and scans such a MRIs
  • Hospital charges
  • Full cancer cover
  • Home Nursing
  • Private Ambulance
  • Digital GP Service
  • Out-patient mental health treatment

Ways to Enhanced Cover

This option allows you access to 'optional add-ons' that aren't available with a Core Cover policy.
Enhanced Cover included everything in the Core Cover package, with the option to add the following:

  • Dental and optical cover (£250 for routine dental, £600 accidental dental injury plus £150 towards glasses and contact lenses)
  • Up to 28 days of mental health treatment, whether as an in-patient or day-patient
  • Other treatments and therapies like osteopathy, physiotherapy, and chiropractic
  • Extended hospital list (Access to full UK list including Central London facilities)
  • No Claim Discount protection

Ways to Reduce Cover

This cover allows you to keep your premiums down by removing elements of the Core Cover you don't need. Here's what you can remove:

  • Reduced out-patient options
  • Six-week option: (you can't claim for private treatment if a treatment is available on the NHS within six weeks of a specialist recommending it)
  • Member excess options (£100, £200, £500, £1000, £3000 & £5000)
  • Hospital options (you have a smaller choice of hospitals)
  • Expert Select (Guided Option): If you ask for Aviva's help when choosing a specialist or hospital at the point of claim this makes your policy cheaper.

What's Not Covered by Aviva Health Insurance

Like most health insurance policies, Aviva medical insurance doesn't cover pre-existing health conditions, so you already have conditions you already have when taking out a policy.

However, if after two years of taking out a policy, you haven't required medication, treatment, diagnostic tests or advice for the condition, the exclusion is usually lifted.

Aviva private health insurance also doesn't cover chronic conditions. This refers to a disease, illness or injury that needs ongoing or long-term care. Examples of chronic conditions are arthritis, epilepsy, and asthma.
Treatment for pregnancy and childbirth are also not included, but related conditions that can happen outside of pregnancy and childbirth are.

Aviva Health Insurance

Additional Features & Benefits

Where Aviva healthcare insurance really excels is with its range of well-being services. These not only help customers stay fit and healthy, but they can also save them money.

The Get Active feature gives customers access to offers and discounts at gyms and health and leisure clubs across the UK.

MyHealthCounts encourages customers to improve their fitness with a promise of a discount at renewal. An online health assessment gives customers a 'Q' score. The higher the score, the lower your health risk and the bigger the discount.

Aviva medical insurance customers also have access to the Stress Counselling helpline. The helpline gives Aviva customers confidential access to a trained counsellor 24/7, 365 days a year.

Aviva Digital GP allows members to access guidance from a private GP via the Aviva app, with unlimited video consultations per member per policy year, 24/7.Through this service you can be referred for Specialist consultations via your policy as well as access the private prescriptions delivery service.

Benefits Of An Aviva Health Insurance Policy

Customers can pick and choose what is and isn't included in their policy. We're all different and we all have different needs, not to mention different budgets.
The well-being services that come with an Aviva health insurance policy encourage customers to focus on their health and lead a healthier lifestyle.
Being able to access treatment close to home can offer peace of mind. The hospital list with Aviva private healthcare insurance gives customers more choices regarding where they receive treatment.

Potential Drawbacks When Taking on Aviva Health Insurance

Cost

Aviva's private healthcare insurance, like most other providers can be expensive and therefore not suitable for some budgets. However, remember that the cost of cover with Aviva's healthcare insurance depends on several factors, including your age, whether you're a smoker or not and how much cover you want; meaning you can trim back the cover to suit your budget if required.

Some Pre-Existing Conditions May Not Be Covered

All insurance policies have exclusions and limitations, so make sure you check the policy documents carefully before committing to Aviva medical insurance. This is especially important if you have a pre-existing condition or need a particular treatment. If you join on Moratorium or Full Medical Underwriting there may be some medical exclusions from inception of the policy.

Final Thoughts from Us

For those looking for flexible health cover that's tailored to their specific needs, Aviva health insurance has a lot to offer.

It's true Aviva health insurance may be more expensive than other providers. However, the additional well-being services can support customers in working on their fitness and improving their quality of life - you can't really put a price on that.

Compare My Health Insurance work with top-rated FCA-regulated health insurance brokers who will assess your needs, utilise available resources, and regularly review your coverage to ensure you are getting the best the market can offer.

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