Aviva Health Insurance Review

  • Flexible payment options to suit most budgets
  • Multiple types of healthcare available
  • Medical Insurance provided by the UK's largest insurer

We hope our independent review of the Aviva Health Plan will help you decide whether it's the right plan for you.

About Aviva

Aviva is the UK’s largest insurance company and one of the biggest in Europe with a history going back over 300 years. Aviva has over 31 million customers worldwide of which approximately 16 million are in the UK.

They offer a wide portfolio of products covering insurance, investments, retirement and healthcare.

The Aviva brand was launched in 2002 and it represents the merger of previous household-name major insurers such as Norwich Union, Commercial Union and General Accident.

For your peace of mind Aviva are regulated by the Financial Conduct Authority (FCA).

The Aviva Health Insurance options

They offer a range of 5 health insurance plans, all of them offering flexibility within them.

Private Health Insurance

Perhaps the most familiar to many, this type of cover allows access to medical specialists and treatment in locations and timescales that suit you.  It is typically regarded as a supplement to the treatment offered by the NHS, who will still provide things such as Accident and Emergency services etc.

This plan is discussed in more detail below. 

Cancer Essentials

This type of policy supplements the treatments available through the NHS and does not seek to replace them.

It offers cover for things such as enhanced private nursing, a direct GP contact helpline, a one-off payment of £5,000 upon diagnosis and importantly, up to £100,000 towards the cost of any drug treatment that is not financed by the NHS. 

Cover starts from £1.68 a month

Child Health Essentials

If your child is ill, this policy will provide online and telephone access to GPs and paediatricians.

It also offers an immediate cash payment of £5,000 if your child is diagnosed with cancer

A contribution of £25 per night (to a maximum of £250) towards your additional accommodation and food costs if you’re staying nearby while they’re in hospital.

Cover starts form £9 a month 

Physio Essentials

Joint and muscular pain can be severely debilitating. This policy offers you up to 5 phone consultations per year with an expert in the field. A face-to-face diagnostic session and a home treatment regime may also be provided in certain cases.

In other instances, the specialist may write a letter to your NHS doctor stating their findings and recommending further treatment.

Cover starts from £14.50 a month

International Aviva Health Insurance

This is a policy designed for those going overseas for a period of time and who wish to ensure that they’re covered for additional medical expenses while they’re there.

This is a largely bespoke policy with a highly variable range of benefits. It’s usually necessary to make further enquiries by phone in order to discuss your unique situation.

What's covered in the Aviva Health Insurance Plan 

From this point on, we’ll be looking exclusively at the private health insurance plan option, which may be useful if you are comparing health insurance quotes, as this type of plan is the most popular.

Outpatient Treatments

Outpatient Treatments include:

  • Consultations with a fee approved specialist
  • X-rays
  • Scans
  • Electrocardiograms (ECG)
  • Cancer treatment and palliative care

Inpatient Treatments

Inpatient Treatments include:

  • Hospital fees at a private hospital on your list
  • Specialists' fees up to the limits of our fee schedule
  • Diagnostic tests
  • Cancer treatment

Add Ons

Additional optional extras

  • Protected no claim discount
  • Other treatments and therapies referred by your GP
  • Dental and optical cover
  • Extended hospital list
  • Mental health treatment

Options to reduce your premiums

Options to reduce your premiums

  • A member excess, payable towards the cost of your claims
  • Reduced hospital lists
  • Reduced out-patient cover
  • Six week option, which means you won’t be able to claim for in-patient or day-patient treatment, NHS cash benefit, NHS cancer cash benefit, or the cost of an amenity bed, if the NHS can treat you within six weeks from the date your specialist recommends it.

Our team will be happy to talk you through these if you are unsure.

Plan Exclusions

The plan will not incude the following:

  • cosmetic treatment (except following an accident or surgery for cancer)
  • experimental treatment (limited benefit may be available - please contact us)
  • pre-existing conditions (unless we have expressly included treatment relating to them)
  • professional sports injuries
  • treatment undertaken by a specialist without GP referral
  • treatment for pregnancy or childbirth, although some complications are covered, as detailed in the terms and conditions, provided the mother has been on the policy for at least 10 months
  • treatment directly or indirectly related to birth control
  • diagnostic tests and treatment for infertility
  • treatment required as a result of war, terrorism, contamination by radioactivity, biological or chemical agents
  • AIDS/HIV and related conditions
  • alcoholism, alcohol abuse, drug abuse, solvent abuse and other addictive conditions
  • kidney dialysis
  • psycho-geriatric conditions
  • self-inflicted injury
  • sexual dysfunction
  • sleep disorders and sleep problems such as snoring and sleep apnoea
  • surgical or medical appliances such as neurostimulators (e.g: cochlear implants) and crutches
  • treatment for warts, verrucae or skin tags
  • weight loss surgery
  • charges by a GP, medical practitioner or specialist for completion of a claim form unless the claim is confirmed by us
  • long term or chronic conditions (this exclusion does not apply to treatment for cancer)
  • take-home drugs and dressings
  • varicose veins of the leg, unless they meet the criteria detailed in the terms and conditions
  • treatment outside a specified treatment network

Existing medical conditions

Does the plan cover existing medical conditions?

If you have an existing health insurance plan and looking to change your provider, Aviva will assess each case individually - just call our helpline at Assured Futures on 0845 145 0070 for a quote.

If you don't have any existing health insurance cover and you have an existing medical condition you will not be automatically accepted. Although once you have taken out the plan if you don't receive medication, treatment, have tests for or advice about the condition for 2 years the exclusion will not apply.

Simple illustration of costs

Simple guide for a male aged 50 yrs of age

The following is provided to help you compare health insurance quotes (correct as at June 2017).

Based upon a 50-year old male living in the South of England with no other family members included, health insurance quotes premiums start at £65.00 per month with no outpatient cover.

For full outpatient unlimited cover, the premium would be approximately £116 per month (there are premiums in-between for various maximum levels of outpatient cover).

This cover includes:

  • Hospital Charges
  • Specialist Fees
  • Diagnostic Fees
  • Radiotherapy/Chemotherapy
  • Aviva’s Cancer Pledge

This assumes that the policyholder has no pre-existing conditions. It is also possible to tailor your policy (and increase the premiums) by selecting a range of optional cover elements as outlined above. That needs to be considered when you’re trying to compare health insurance quotes.

Reasons you may consider the Aviva Health Insurance plan

Some key benefits of the Aviva health insurance plan

  • the reassurance of knowing that you’re dealing with one of the world’s largest insurers
  • Stress counselling helpline available 24 hours a day
  • Free cover for younger children when you take out the "Healthier Solutions" policy
  • a highly flexible and customisable product
  • very fast access to specialist diagnostic services and treatment
  • 24Hr access to a GP
  • a special cancer pledge offering a  range of supportive care and assistance options
  • 25% discount on selected gym and health club membership fees

How to get an Aviva Health Insurance Quote

You can go direct to Aviva for a quote or you can use our comparison service through our partner Assured Futures who will look at the whole of market for you offering the same plans at the same price, but ensuring that you get advice on all providers plans that suit your circumstances and budget.

You could start by getting an online health insurance comparison quote here and then if you wish call them on 0845 145 0070 to discuss your options and how they can keep the price as low as possible for you.

Compare Health Insurance Quotes

Aviva Health Insurance

Compare

We will give you £50 if you find a cheaper like for like plan elsewhere

Don't miss out...

Sign up to our monthly newsletter for the latest updates.

Subscribe

Our Trusted Partners

over 50 life insurance    funeral plans   equity release   health insurance      best energy deals   over 50s car insurance  making a Will