Insurer Reviews · Aviva

Aviva Health Insurance Review 2026

★★★★★ Defaqto Rated ★★★★ 4.3/5 Trustpilot Reviewed by Darren Lewis · Updated July 2026

Aviva's Healthier Solutions is a modular policy built around a genuinely strong core: unlimited outpatient cover as standard, where many competitors cap it or charge extra. It also places no upper age limit on new applicants, a real point of difference from insurers that restrict entry for older customers.

Flexible and well-priced once you start adjusting the modular options, with one of the widest ranges of premium-reducing choices on the market, seven excess levels, a first-year discount for healthy living, and a 6-week NHS wait option.

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★★★★★

Rated Excellent on Trustpilot

At A Glance

Aviva At A Glance

1696

Origins

Aviva's history traces back over 300 years, formed through mergers including Norwich Union and CGU, with the Aviva name adopted in 2002.

FTSE

Ownership

Aviva plc is a publicly listed FTSE 100 company, one of the UK's largest composite insurers spanning home, car, life and health cover.

Market Position

Ranked fifth among major UK health insurers in independent 2026 broker reviews, scoring strongest on affordability and underwriting flexibility.

∞

Standout Feature

Unlimited outpatient cover as the default, and no upper age limit for new applicants, both genuine points of difference in the market.

Products

Healthier Solutions: A Modular Policy

Aviva's Healthier Solutions starts from a strong core, then lets you enhance or reduce cover to shape your premium.

Core Cover

Specialist consultations, diagnostic tests and scans, hospital charges, full cancer cover, home nursing, private ambulance, digital GP, and outpatient mental health treatment, included as standard.

Ways To Enhance

Dental and optical cover, up to 28 days of inpatient/day-patient mental health treatment, therapies like physiotherapy and osteopathy, the extended hospital list including Central London, and no claims discount protection.

Ways To Reduce Cost

Seven excess levels (£100 to £5,000), a 6-week NHS wait option, a smaller hospital list, reduced outpatient cover, and Expert Select, where Aviva helps choose your specialist to lower your premium.

The Small Print

What Aviva Doesn't Cover

Like every UK health insurer, Aviva doesn't cover pre-existing conditions from day one. Under standard moratorium underwriting, if you go two years without needing medication, treatment, diagnostic tests or advice for a condition after taking out the policy, that exclusion can be lifted.

Chronic, long-term conditions requiring ongoing care, such as arthritis, epilepsy or asthma, are also excluded, along with treatment for pregnancy and childbirth itself (though related conditions that can occur outside pregnancy are covered).

Extras

Standout Aviva Benefits

My Healthy Discount

A health assessment gives you a wellbeing score, the higher it is, the bigger your potential discount, up to 15% in your first year.

Get Active

Access to discounts at gyms and health clubs across the UK, part of Aviva's focus on rewarding healthier lifestyles.

Aviva Digital GP

Unlimited video GP consultations per member per policy year, 24/7, with onward specialist referrals and a private prescription delivery service.

Stress Counselling Helpline

Confidential access to a trained counsellor 24/7, 365 days a year, included as a value-added benefit.

Aviva member on a digital GP video consultation

Video GP Appointments, Unlimited

Aviva Digital GP gives you unlimited video consultations, 24/7, with onward referrals and prescriptions delivered straight to your door.

Get Active, Get Rewarded

Discounts at gyms and health clubs across the UK reward you for staying active, and feed into your My Healthy Discount score at renewal.

Gym workout, part of Aviva's Get Active discount scheme

How It Compares

Aviva vs The Rest Of The Market

How Aviva stacks up against the other major UK insurers on the areas that matter most.

Insurer	Trustpilot	Outpatient Cover	Standout Strength
Aviva	4.3/5 (all products)	Unlimited as standard	Most ways to reduce your premium, no upper age limit
Bupa	4.5/5	Tiered allowance, £500 to full cover	Largest hospital network, Direct Access self-referral
AXA Health	4.1/5	Flexible, higher tiers unlimited	Large specialist network, flexible policy structure
Vitality	4.0/5	Tiered, add-on for higher limits	Rewards and wellbeing incentives
WPA	4.6/5	Modular, customer-chosen limits	Customer service reputation, not-for-profit status

See our full insurer-by-insurer reviews for a deeper breakdown of each provider.

Worth Knowing

What Aviva's Trustpilot Score Actually Covers

Aviva's 4.3/5 Trustpilot rating is strong, but it's worth knowing it reflects Aviva's entire product range, car, home and life insurance included, not health insurance alone.

The honest picture

When reviews are filtered specifically to health insurance, feedback is more mixed, with some recent mentions of contact difficulties and claims frustrations. It's not a huge volume of negative feedback, but it's worth knowing before you buy rather than assuming the headline score tells the full story.

Cost

How Much Does Aviva Health Insurance Cost?

Aviva's premiums sit slightly above the UK market average for equivalent comprehensive cover, but the trade-off is more included as standard, unlimited outpatient cover, comprehensive cancer cover and mental health treatment, rather than stripped-back cover that cheaper competitors charge extra for.

Age	Expert Select	Key Hospital List
30	£46.01/mo	£56.43/mo
40	£65.86/mo	£80.99/mo
50	£85.94/mo	£105.84/mo
60	£120.64/mo	£153.24/mo

Woman comparing Aviva health insurance pricing

Indicative example prices for a single non-smoker, moratorium underwriting, no pre-existing conditions, £200 excess. Expert Select is Aviva's guided specialist route, Key Hospital List gives fully open hospital choice. Figures are illustrative only, confirm current pricing with a personalised quote.

For a fuller picture of what drives cost across UK insurers, see our health insurance cost guide and free price calculator, or get a personalised SmartQuote below.

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For Employers

Aviva For Business

Aviva offers business health insurance under names like Solutions and Optimum, providing similar core cover for employees with the same modular flexibility as its individual product. Its Solutions plan is aimed specifically at SMEs, combining competitive pricing with cancer care and mental health cover as standard.

See how Aviva compares for small business cover against other leading providers.

Small business owner considering Aviva business health insurance

FAQs

Aviva Health Insurance FAQs

Is Aviva health insurance good value?

It sits slightly above the market average on headline price, but includes more as standard than many cheaper competitors, particularly unlimited outpatient cover. Whether it's good value depends on how much you'd otherwise pay to add that cover elsewhere.

Does Aviva have an upper age limit for new customers?

No. Aviva places no upper age limit on new applicants for Healthier Solutions, a point of difference from insurers that restrict entry for older customers.

What is Aviva's My Healthy Discount?

A wellbeing assessment that gives you a health score. The higher the score, the bigger your potential discount, up to 15% in your first year.

Can I reduce my Aviva premium?

Yes, Aviva offers more ways to reduce cost than most competitors, including seven excess levels, a 6-week NHS wait option, a smaller hospital list, and Expert Select, where Aviva helps choose your specialist.

Is Aviva's Trustpilot score specific to health insurance?

No. Aviva's 4.3/5 Trustpilot rating covers its full product range, not health insurance alone. Health-specific feedback is more mixed, so it's worth factoring that in alongside the headline score.

Compare Aviva Against The UK's Other Leading Insurers

Our free comparison service makes it easy to compare health insurance from the UK's leading insurers, helping you compare cover, benefits and prices in one place.

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★★★★★

Rated Excellent on Trustpilot

Sources & Disclaimer

Reviewed by: Darren Lewis, health insurance specialist and founder of Compare My Health Insurance. Last reviewed: July 2026. Next scheduled review: January 2027.

Ratings and pricing positioning are based on published information reviewed at the time of writing and are indicative only. Insurer products, benefits and prices change periodically, so always confirm current details directly with Aviva or one of our brokers before buying.

This guide is for general information only and is not regulated financial advice.

Sources: Aviva policy documentation, Defaqto, Trustpilot.

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