Aviva Health Insurance Review [2022] – Healthier Solutions

Aviva’s background

Astonishingly, Aviva can trace their history back to London in 1696, some 320 years ago! Of course, three centuries of doing business has seen the company change, grow and expand into new markets domestically and overseas. Today, Aviva is the UK’s largest general insurer and a significant pension and life insurance provider. 

With products ranging from car insurance and breakdown cover to travel insurance and life cover, you’ve likely had an Aviva insurance policy at some point. With approximately 15.5 million customers in the UK and many more internationally, it would be fair to categorise them as a significant player in the market.

In this guide, we’re going to focus on Aviva’s best private health insurance, Healthier Solutions.

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Aviva Healthier Solutions

Aviva’s health insurance product, Healthier Solutions, is what we would class as a comprehensive policy, meaning that it covers inpatient, day patient and outpatient services. That implies that diagnostic tests, scans, treatments and post-op care will be covered. But let’s look at their coverage in more detail, so you can see what to expect.

Note: Policy information sourced from Aviva’s website and accurate as of 1st January 2022. 

What does Aviva’s Healthier Solutions cover?

Assuming there are no exclusions on your policy owing to pre-existing conditions, all of the following will be covered by Aviva’s Healthier Solutions:

Inpatient and outpatient diagnostic tests, including MRI scans, x-rays, ECGs and blood tests.Specialist and hospital charges for inpatient and day-patient diagnostic tests.Fast access to treatment in excellent private facilities.Cancer treatment and aftercare.Outpatient mental health support and specialist referred physio.4/7 access to a stress counselling helpline for members aged 16 and over.A digital GP app with up to five video consultations per member per year.Savings on gym membership and discounted lifestyle products.Mental health supportNHS cash benefit of £100 each night up to a maximum of 30 nights.Private ambulance and home nursing. Treatment for complications of pregnancy and childbirth. 

Optional extras to increase your cover:

Treatments and therapies such as physiotherapy, osteopaths, chiropractors and acupuncture when referred by a GP.Dental cover and optical cover. Mental health treatment as an inpatient or day patient. Protected no claims discount.

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Extensive cancer cover as standard

Under Aviva’s cancer pledge, they commit to support you every step of the way with their dedicated oncology team. You’ll receive first-class inpatient and outpatient treatment and a high level of aftercare.

Aviva pledge states that they’ll cover all of the cancer treatment and palliative care you need, as recommended by your consultant. 

They want to make thighs as comfortable as possible following your cancer treatment and therefore provide an excellent level of aftercare, including consultations with specialists such as dietitians and a contribution towards the cost of prostheses and a wig.

What cancer treatments are covered by Aviva’s Healthier Solutions?

Here is a list summarising Aviva’s cancer cover; for a complete list, please click here to download their policy terms and conditions by clicking here.

Outpatient treatment and consultations – extensive outpatient cover with diagnostic tests and consultations included along with radiotherapy, chemotherapy and targeted therapy.Bone strengthening drugs – Aviva will pay for drugs such as bisphosphonates which strengthen bones after treatment.Preventative cancer treatment –  Aviva will pay for the mastectomy of a healthy breast if you’ve had cancer in the other breast.Prostheses – Aviva will pay towards the cost of the first external prosthesis following cancer surgery.Stem cell and bone marrow transplants – including collection storage and implantation.

As you can see, Aviva has prioritised cancer care, and its level of cover stands out among the other best providers.

What isn’t covered by Aviva’s Healthier Solutions?

Similarly to all health insurance policies, Aviva’s flagship product does have some standard exclusions. It’s important to note, what is and isn’t covered will be based on your circumstances, so treat this purely general information:

Key exclusions:

Pre-existing conditions.Long-term or chronic conditions, meaning one where there is no cure.HIV/AIDS Anything relating to alcohol or drug abuse.A specialist undertakes treatment without a GP referral.Kidney dialysis.Cosmetic treatment. Sports-related treatments.Experimental treatments.Self-inflicted injury.

For a complete list of what is and isn’t covered, please open Aviva’s Healthier Solutions product information document.

Final words on Aviva’s cover

There are further options that you should give some consideration and discuss with your health insurance broker when you speak to one. You should pay particular attention to things such as your hospital list to make sure facilities close to you are included. 

How much does Aviva health insurance cost?

The cost of an Aviva health insurance policy will differ depending on your requirements, age and medical history, among some other factors. To answer the question, we’ve requested several quotes from Aviva and can provide the results below. These numbers are purely indicative, and the price you pay will be different. You should also ensure you consult with an expert health insurance broker to compare providers and policies.

Individual cover

For this article, we’ve requested quotes based on a non-smoker, without any medical history, who lives in Reading and works in a management role. We have opted for the standard product without any additional extras and have chosen an excess of £200. We’re also opting for full coverage.

Cost of Healthier Solutions for individuals

30 years of age – £49.65 per month

40 years of age – £61.59 per month

50 years of age – £76.51 per month

60 years of age – £108.16 per month

Family cover

With Aviva’s family health insurance, you can save 9% if you add your partner to your policy, compared to the combined price if you took out two separate policies. However, as with all health insurance, it can work out cheaper for partners to take out policies with different providers, as, after all, you’re individuals with individual characteristics and medical histories. An added financial benefit of taking out a family policy with Aviva is that if you add more than one child aged 19 or under, you’ll only pay for the eldest. Let’s now dig into the numbers; similarly to before, we’re basing the quote on a family living in Reading.

Cost of Healthier Solutions for couples

30 years of age couple – £87.56 per month

40 years of age couple – £108.62 per month

50 years of age couple – £134.94 per month

60 years of age couple – £190.76 per month

Cost of Healthier Solutions for families

For this guide, we’re assuming that there are two school-aged children on the policy, one who is ten years old with the other fifteen. The only variable will be the parent’s ages which we’ll step in the same levels as the previous two sections.

30 years of age couple with two children – £107.38 per month

40 years of age couple with two children – £128.44 per month

50 years of age couple with two children – £154.76 per month

60 years of age couple with two children – £210.58 per month

As you can see, adding two children to a policy doesn’t affect the cost significantly.

Aviva Health Insurance Reviews

There doesn’t appear to be separate reviews of Aviva’s health insurance currently available from what we can see. The only ones we can find of note are those for the company as a whole. Aviva enjoys an excellent Trustpilot rating of 4.6/5 presently from over 8,700 reviews as of June 2021. This volume of positive reviews is incredibly encouraging, especially for a financial services company that is so large and has such a diverse customer base. One can only assume that with their premium products such as health insurance, the level of service is excellent. 

Healthier Solutions defaqto rating

Defaqto provides star ratings for a range of financial services products, including insurance. Their independent ratings are based on policy facts, not opinion, giving you a meaningful way to compare the quality and comprehensiveness of policies. Like several other leading comprehensive health insurance policies, Aviva’s Healthier Solutions scores defacto’s top mark of five stars. With only six other health insurance products in the UK achieving a five-star score, it indicates the quality and level of cover you can expect to receive.

Aviva’s Health Insurance Awards

In 2020 Aviva won two awards at the Health and Protection Awards for both the Health Insurance & Protection Company of the Year and Best Individual PMI Provider. These industry awards are fiercely competitive. The fact that Aviva has come away with two demonstrates the quality of their private health insurance offering.

Aviva business health insurance

Our article has so far focused on Aviva in general and more on its policies for consumers. Still, they also have a range of business-focused health insurance policies. Aviva’s Business Health Insurance protects businesses regardless of their size; whether you have one or 2,000 employees, Aviva will be able to create a tailored policy to suit your requirements.

Many of the features of their policies are carried over into their business offering, albeit there are some subtle differences. Suppose you’re looking for a company scheme. In that case, we’d strongly recommend speaking with an independent broker to ensure that your policy is configured precisely to your requirements. You get the best deal by comparing all of the leading providers.

Our conclusion

As we hope we have illustrated, Aviva’s health insurance is excellent, provided by a rich history and extensive experience of supporting individuals, families and businesses in the UK.

Aviva Healthier Solutions is a product that myTribe endorses, and our partner brokers often recommend it to our clients. 

How to buy an Aviva health insurance policy?

We always recommend speaking to an independent health insurance broker to ensure you are getting the best deal. While it may be convenient to pick a provider and buy their policy, what is and isn’t covered between providers will vary, as will the price. By working with a broker, who incidentally won’t charge you a penny, you will get an independent view of the market and recommendations tailored to your needs. To get a quote for an Aviva policy and compare it with other providers, please request a quote.

Frequently asked questions

How do I contact Aviva health insurance?

You can contact Aviva directly using the following telephone numbers:

Health insurance customer services – 0800 068 3827

Monday to Friday: 8:00am – 6:30pm

Saturday: 9:00 – 1:00pm

Sunday: Closed

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Health Insurance claims UK – 0800 068 3827

Health insurance overseas emergency assistance line – +44 238 124 7290

Monday to Friday: 8:00am – 6:30pm

Saturday: 9:00 – 1:00pm

Sunday: Closed

You can also make a claim online here.

How much does Aviva health insurance cost? 

Individuals can expect to pay approximately the following for an Aviva Health Insurance policy:

30 years of age – £49.65 per month

40 years of age – £61.59 per month

50 years of age – £76.51 per month

60 years of age – £108.16 per month

A family with two adults and two children can expect to pay roughly the following:

30 years of age couple with two children – £107.38 per month

40 years of age couple with two children – £128.44 per month

50 years of age couple with two children – £154.76 per month

60 years of age couple with two children – £210.58 per month

*Prices are based on several assumptions, and the price you pay will be different.

Is Aviva health insurance any good?

Aviva’s Healthier Solutions health insurance has a five-star defacto rating and won two awards at the most recent Health Insurance and Protection Awards. In addition, as a company, they have over 8,500 reviews with an average score of 4.6/5 on Trustpilot. Based on all of this information, we believe Aviva’s health insurance is excellent.

Is Aviva a good insurance company?

Aviva is the UK’s largest insurer, and they have a current Trustpilot score of 4.6 out of 5 from over 8,500 customer reviews. Based on this and their reputation and history in the market, we would say they are a good insurance company.

How does Aviva health insurance work?

Aviva will cover you for diagnosis, treatment, and aftercare for eligible medical conditions at a list of private healthcare facilities around the UK by paying a monthly premium. 

Does Aviva cover pre-existing conditions? 

Pre-existing conditions will usually be excluded from an Aviva health insurance policy. Suppose you opt for moratorium underwriting. You don’t suffer from any symptoms relating to that condition for two years after starting the policy. In that case, that condition will become covered by the policy.

Will I be covered to see a GP?

Aviva’s health insurance gives you access to their Aviva Digital GP, which Square Health powers. You get 24/7 access to five GP video consultations, per member, per policy, per year. You can also be referred for private assessment and treatment by an NHS or private GP. Still, Aviva’s won’t cover any GP charges, therapy or diagnostic tests. 

As soon as a GP has referred you, you should call Aviva to make a claim.