Alyssa Lane
Aviva is one of the UK's biggest and oldest insurance companies, offering a range of insurance products, including health insurance. Aviva health insurance policies are designed to help cover the cost of private healthcare, providing access to treatment in over 200 hospitals across the UK. The company offers different types of policies, such as limited and full cover, with varying levels of benefits and prices to cater to different budgets and needs. While Aviva has received recognition and awards for its insurance services, customer reviews are mixed, with some policyholders expressing dissatisfaction with the claims process and customer service. This article will explore the features, benefits, and potential drawbacks of Aviva medical insurance to help you make an informed decision about their services.
| Characteristics | Values |
|---|---|
| Customer Reviews | Rated 1.91/5 stars on Smart Money People, 1.4/5 stars on Reviewcentre, 4/5 stars on Trustpilot, and 4/5 stars on iam INSURED |
| Customer Experience | Long wait times, poor customer service, and difficult claims processes |
| Cost | Depends on requirements, age, medical history, and other factors; discounts for choosing fewer hospitals |
| Coverage | Two levels: Limited Cover and Full Cover; includes treatment in over 200 hospitals in the UK |
| Application Process | Straightforward and can be completed in around 10 minutes online |
| Eligibility | Must live in the UK for the entire duration of the policy and make payments from a UK bank account |
| Pre-existing Conditions | Depends on underwriting type (moratorium underwriting or full medical underwriting) |
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What You'll Learn
Aviva's 'full' and 'limited' health insurance policies
Aviva is one of the UK's biggest and oldest insurance companies, with over 1.1 million health insurance customers in the UK. The company offers a range of health insurance policies, including personal and business health insurance. Aviva's health insurance policies are designed to help individuals and businesses cover the cost of private healthcare and provide access to treatment in over 200 hospitals across the UK. The company has two levels of cover: Limited Cover and Full Cover.
Aviva's Limited Cover option provides an affordable plan for those who need healthcare that may be unavailable on the NHS. This plan includes access to treatment in a network of hospitals and the option to shorten the list of included hospitals to make the policy cheaper. Aviva's Full Cover option likely includes more comprehensive benefits and services, although specific details are not readily available.
In addition to their standard health insurance policies, Aviva also offers a range of additional benefits and services. These include the Aviva Digital GP app, which provides unlimited 24/7 access to GP video consultations, and the MyAviva app, which allows customers to manage their policies on the go and access discounts on selected products. Aviva also offers a 'baby bonus' where, if certain conditions are met, any family member covered by the policy will receive £100 when a baby is born or adopted.
While Aviva's health insurance policies can provide comprehensive coverage and access to private healthcare, there have been some mixed reviews from customers. Some customers have praised Aviva's health insurance, with the company being rated 4.0 out of 5.0 stars on Trustpilot. However, other customers have expressed frustration with the claims process, stating that it can be difficult to get through to customer service and that there is a lack of support when trying to see a specialist. It is important to consider both the benefits and limitations of Aviva's health insurance policies before making a decision.
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Customer service and experience
Aviva is one of the UK's biggest and oldest insurance companies, with millions of customers across the country. It is a well-known household name and has more than 1.1 million health insurance customers in the UK. Aviva is one of the UK's most popular insurance companies and is well-liked by its health insurance customers, with a rating of 4.0 out of 5.0 stars on Trustpilot based on over 30,000 reviews.
However, there are some negative reviews of Aviva's customer service and claims process. Some customers have complained about long wait times when trying to contact Aviva, with one reviewer stating that they had to wait for over an hour to get through to someone. There are also complaints about the difficulty in making a claim, with one reviewer stating that Aviva requires additional forms and charges for them, causing delays in the process.
On the other hand, some customers have praised Aviva's quick response times, with one reviewer mentioning that they received a response to their service query on the same day it was submitted.
Aviva offers a range of health insurance policies, including personal and business health insurance. Their policies give customers access to treatment in over 200 hospitals across the UK, with the option to shorten the list to make the policy cheaper. Aviva's health insurance policies also include some extra benefits, and the company consistently wins industry awards for its insurance policies and customer service.
Aviva's 'limited' health insurance policy is its cheapest option, covering acute conditions, hospital charges, specialist fees, and cancer treatment. Its 'full' health insurance policy is more comprehensive and includes a full list of outpatient benefits. Aviva also offers a 'speedy diagnostics' policy that covers the cost of tests but not treatment.
Overall, while Aviva has received some negative reviews regarding its customer service and claims process, it is a well-known and popular insurance company in the UK, with many customers satisfied with its health insurance policies and ratings.
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Cost and savings
Aviva health insurance policies are designed to help you cover the cost of private healthcare in the UK. The cost of an Aviva health insurance policy will differ depending on your requirements, age, medical history, and other factors. For instance, your postcode and the cost of medical treatments may also influence the price.
Aviva offers a range of health insurance policies, including personal health insurance and business health insurance. With Aviva's family health insurance, you can save 9% if you add your partner to your policy, compared to the combined price of separate policies. Adding your partner could also mean you pay less than if you both had individual policies. However, it can sometimes work out cheaper for partners to take out policies with different providers, as you are individuals with different characteristics and medical histories. If you add two or more children aged 19 or under, you will only pay for the eldest child.
Aviva also provides the option to add an excess to your policy, which is a sum of money you agree to pay upfront towards your private medical care. The higher your excess, the lower your monthly premiums. Aviva has a fifteen-level no-claims discount system, where your discount increases by one level each year you don't claim, up to a maximum of 75%.
You can also save money on your Aviva health insurance cover by paying more excess, reducing your cover amount, and getting advice from a health insurance specialist. Aviva's health insurance is customisable to your budget and needs. You can enhance or reduce your policy as you wish, with various optional add-ons available. For example, you can choose a reduced outpatient cover with a limit of £0, £500, or £1,000, or a reduced hospital list to make your policy cheaper.
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Eligibility and requirements
Aviva is one of the UK's largest insurers, offering a range of insurance types, including life and health. Aviva's health insurance policy is well-rated, receiving 5 out of 5 stars from independent product reviewer Defaqto and independent data provider Fairer Finance.
Aviva's health insurance policy is available to those aged 18 and above. The cost of the insurance depends on several factors, including age, location, excess, type of cover, and any additional benefits. The cost typically increases as the insured ages, as older individuals are more likely to require medical treatment and make claims.
Aviva offers a 15% discount on the first year's premium for eligible policyholders, as well as a no-claims discount worth up to 75%. The 'Core' plan is Aviva's standard health insurance offering, providing comprehensive cover for in-patient and out-patient treatment, cancer care, and NHS cash benefits.
Aviva also provides business health insurance policies, including Solutions for businesses with 1-249 employees and Optimum for businesses with 250+ employees. These plans offer core cover and optional extras, allowing businesses to tailor the policy to their specific needs and budget.
It is important to note that Aviva's health insurance typically does not cover pre-existing conditions, focusing instead on new, unexpected, or short-term conditions that arise after the policy is taken out. Additionally, Aviva does not offer international health insurance.
Aviva's health insurance policy may require a referral from a GP to claim certain benefits. The policyholder can choose to see their own GP or have a video consultation through the Aviva Digital GP app, which provides 24/7 access to GP video consultations.
Aviva's health insurance also offers optional benefits, such as dental and optical cover, mental health treatment, and access to an extended hospital list. These optional benefits can increase the standard monthly premium but allow customers to tailor the policy to their specific needs and budget.
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Aviva's business health insurance
Aviva is one of the UK's biggest and oldest insurance companies, with over 1.1 million health insurance customers in the UK. Aviva offers business health insurance, also known as Aviva corporate health insurance, which is designed to help businesses of all sizes protect their employees' health and well-being. Aviva offers two business health insurance options: Aviva Solutions private medical insurance for businesses with 1-249 employees and Aviva Optimum private medical insurance for businesses with 250+ employees. Both policies allow businesses to adjust their level of cover depending on their budget.
Aviva's 'limited' health insurance policy provides core cover for acute conditions, hospital charges, and specialist fees, as well as cancer cover. It also includes a limited number of outpatient benefits, such as CT, MRI, and PET scans, and cancer treatment including radiotherapy and chemotherapy. Aviva's 'full' health insurance policy is more comprehensive and includes the full list of outpatient benefits, such as specialist consultations, diagnostic tests, and additional physiotherapy. This policy is more expensive but is a good option for those who want quick access to treatment and continuity of care.
Aviva also offers a 'diagnostics' policy that covers the cost of tests but does not cover treatment. This policy can help policyholders avoid NHS waiting lists. Aviva's health insurance policies do not cover pre-existing conditions, and the company will review an individual's medical history each time they make a claim. Applying for Aviva health insurance can be done online in around 10 minutes, but it is recommended to speak to an independent health insurance expert first to ensure the policy meets your needs and budget.
Aviva has received mixed reviews for its health insurance. While it has been rated 4.0 out of 5.0 stars on Trustpilot and received the highest rating from Defaqto, it has also received lower ratings of 1.6 out of 5.0 on Smart Money People and 1.4 out of 5.0 on Reviewcentre. Some customers have complained about long wait times when trying to contact Aviva and difficulties making claims.
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