Aviva Health Insurance
Aviva is one of the largest insurers in the UK market and a multinational company operating in 16 countries. Formally known as Norwich Union, they have held a large market share in the private medical insurance market for many years.
Aviva’s Healthier Solution policy is a modular policy and can be tailored to suit a specific budget and need. The Healthier Solution core cover includes inpatient treatment as standard. In addition to the core cover, there are several other options available to choose from.
Aviva health insurance policy review
Aviva’s health insurance offering has been awarded a five-star rating from Defaqto, a finance industry review company that’s recognised by both financial and consumer professionals. The score is based on an analysis of a product that is based solely on facts and not opinion.
If a product is awarded a five-star rating, it means that the product has been rated as “excellent” and it comes with a comprehensive range of features and benefits.
Things you may wish to consider
If you have claimed in the last 24 months and are looking to switch your health insurance policy to Aviva, you’re likely to expect less competitive prices in this instance.
If you live in or around London, the pricing for “Top London” hospitals can often be much higher than other providers.
Unless you have full outpatient cover, you would have a combined financial limit of £500 or £1,000 for consultations and minor diagnostic tests such as blood tests, X-rays, and ultrasounds. Diagnostic tests can be expensive and unpredictable and typically it’s advised to cover these in full.
Aviva only charges for the first child under the age of 20 and all other children will be covered free of charge.
Aviva healthier solution benefits
- Access to hundreds of facilities such as BMI, Nuffield, and Spire Health.
- 24/7 stress counselling helpline.
- Access to the latest approved cancer drugs and eligible treatment – even licenced drugs not routinely available on the NHS.
- First-born children get up to 3-months free cover from their birth date.
- Couple Discount – 9% discount for partner.
- Digital GP Appointments with Aviva.
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About Aviva health insurance
Aviva is one of the oldest financial institutions in the UK. Formerly known as Norwich Union, the companies that have transformed and turned into Aviva have been providing financial and insurance services to customers across the UK for over 320 years. They are now a global provider, helping customers in Ireland and Canada find affordable protection for the things that matter most to them.
Aviva digital GP
As part of your private healthcare policy with Aviva, you can download an app to your phone that allows you to request access to and speak with a GP 24 hours a day at no extra cost. It also allows you to request repeat NHS prescriptions with the touch of a button.
Aviva MyHealthCounts
All private health insurance providers want to do what they can to maintain and develop your physical and mental health. Aviva have set up an online health and wellbeing tool that will help you work out how healthy you are. This can help guide you to actions you can take to improve your diet, fitness and overall wellbeing. It can also help you reduce the cost of your premiums by displaying efforts you have taken to improve your health across the duration of your policy.
Aviva cancer cover and support
If you or someone you are living with is being treated for cancer, then this can result in a lot of unexpected costs that need to be paid for. Aviva’s Cancer Care with Get Active provides a range of savings on products and services that can make a real difference.
As well as benefits on services that tackle treating and living with cancer, there are additional discounts on services that can enhance the quality time spent with family and friends.
Access to help when you need it
Stress is something we can experience at any time and it can have a big effect on our mental and physical health. Aviva’s 24-hour Stress Counselling helpline has been set up to support the mental health of their private healthcare policyholders. Open 24 hours a day, 7 days a week, you can call at any time your mental health is suffering.
The helpline will connect you with an experienced counsellor who can help you to process and deal with the stress you are experiencing. This can be really beneficial to those who don’t have time to book a doctor’s appointment, or feel the need to tackle stress before it escalates into something more serious.
Expanded cover for your family
If you want a private health insurance policy that covers your family, then Aviva’s health offering can be ideal if you have more than one child under the age of 20. They only charge for the first child, so any additional children will be added to your policy for free. You also get three months of free cover for your first newborn, meaning they are given added protection during the most vulnerable period of their life.
Help getting active
One of the best ways to save money on a health insurance policy is to improve your physical health. Coverage with Aviva gives you discount on gym services such as memberships and group classes. You also get discounts on fitness and lifestyle products like smart watches and exercise equipment. And there are offers available at over 3,000 health and fitness clubs across the country.
Is Aviva the right choice for your private medical insurance?
Whether you’re moving from another insurer or buying health insurance for the first time, Aviva combines flexible cover, 24/7 digital GP access, wellbeing tools, and valuable family and cancer support benefits, making it a strong contender in the UK health insurance market.
Get in touch to compare plans and discover how Aviva can support your healthcare needs.
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