Provides your loved ones with a cash pay out if you pass away during the policy term.
Life insurance with no medical questions that guarantees a cash pay out to your loved ones.
Helps to replace a percentage of your income if you’re unable to work due to illness or injury.
By: Adam Futer
Protection Expert
5 min read
'Excellent'
Rated 4.8 out of 5
based on
95,926
reviews
Aviva are a household name and one of the UK’s largest insurers. They’ve been around for more than 325 years and have over 20 million customers across the UK, Ireland and Canada.
They’ve been providing health insurance since 1990, when they would have been known as Norwich Union (they officially rebranded as Aviva in the UK in 2009), giving them many years of experience in offering this type of cover[1].
Aviva also offer a range of other policies including car, travel, home and life insurance, as well as income protection.
You can find out more about their life insurance and income protection by reading our dedicated guides:
All the information we have included about Aviva and their private medical insurance has been taken from their website and policy documents and is correct as of 22/07/26.
Aviva private medical insurance (PMI) is known as the ‘Healthier Solutions’ policy. It’s designed to help cover the cost of private medical treatment.
The policy is customisable; you can tailor your cover to your needs by choosing what you want and don’t want to include.
Aviva private medical insurance key features:
But is it the right option for you? Keep reading to find out everything you need to know about Aviva private medical insurance…
Overall, Aviva private medical insurance is rated well by independent review sites.
The ‘Healthier Solutions’ policy is rated 5 out of 5 stars on Defaqto. This is the highest rating available, demonstrating that the policy is of good quality and offers a good range of features and benefits.
On Fairer Finance, Aviva has an overall score of 71%. This places them 2nd on Fairer Finance’s list and means they receive a silver ribbon. Below shows how this breaks down into individual scores:
| Score |
| Customer happiness | 60% |
| Customer trust | 61% |
| Complaints performance | 86% |
| Transparency | 79% |
| Overall Fairer Finance score | 71% |
Aviva are also rated well by their customers, achieving a score of 4.3 stars (‘Excellent’) on Trustpilot. This score is based on all products and services provided by Aviva, showing that customers are satisfied across multiple cover options.
Aviva private medical insurance works by helping to cover the cost of private medical treatment.
Here’s the process of taking out and claiming on this policy:
It’s important to read all the necessary policy documents and speak with professional experts to ensure you understand how cover works and whether it’s right for you.
Exactly what’s covered by Aviva private medical insurance will depend on what you choose to include in your plan.
As standard, you’ll have ‘core cover’. You can then choose to enhance or reduce your cover to meet your specific needs.
Through Aviva, the following policy options are available:
Aviva advertise their private medical insurance as starting from £1.53 per day (which works out at £47 per month).
However, the exact cost of a policy will depend on:
What’s included in your policy (for example, a policy with just core covers will cost less than a policy with added
Once a policy is in place, your premiums could also increase if you make a claim.
Aviva private medical insurance policies include a range of additional benefits:
| Benefit | Description |
| Aviva Digital GP+ | Unlimited 24/7 online appointments for you and your family, helping you to see a doctor when you need to. |
| Menopause support | Receive support from menopause-trained GPs and nurses and get prescriptions (for example, HRT). |
| MyHealthCounts | A digital health and wellbeing tool. It can give you a better understanding on your current health and how your lifestyle can impact your health. |
| Offers and discounts | Get exclusive offers and discounts from health and fitness clubs across the UK, such as David Lloyd, The Gym Group and Pure Gym. |
| Counselling support | 24/7 stress helpline where you can receive support from trained counsellors. |
To make a claim with Aviva, you’ll need to contact them directly.
You can also log onto MyAviva to start a new claim or provide an update on an existing claim.
What type of underwriting does Aviva private medical insurance use?
Aviva private medical insurance uses full medical underwriting (FMU) or moratorium underwriting.
With full medical underwriting, you’ll tell Aviva about any pre-existing medical conditions you have during the application questionnaire. They’ll then use this information, along with the other details you provide, to establish what your policy will and won’t cover.
With moratorium underwriting, you won’t need to tell Aviva about any pre-existing conditions you have during the application process. Instead, they’ll look at your medical history when you make a claim to see if it’s a new or pre-existing condition. They’ll then decide whether you’re covered or not.
Aviva don’t typically cover pre-existing conditions. However, with moratorium underwriting, they may be able to cover certain pre-existing conditions once a certain amount of time has passed. You’ll need to go at least two years without advice, tests, treatment or medication in order for your condition to be considered.
Does Aviva private medical insurance cover pre-existing medical conditions?
No, Aviva private medical insurance doesn’t typically cover pre-existing medical conditions.
However, if your policy uses moratorium underwriting, this could mean that some pre-existing conditions are covered under a specific criterion (for example, you will need to have not had any symptoms, treatments or tests for a specified period).
What is Aviva group private medical insurance?
Aviva group private medical insurance can be taken out by employers to allow employees to benefit from private medical treatment.
Cover works similarly to their standard cover, with core cover included as standard and the option to enhance or reduce what’s included.
Can I get a discount on Aviva private medical insurance?
Yes, you could get a discount on a health insurance policy if you’re already an Aviva customer.
Existing Aviva customers could save up to 10% on a new health insurance policy.
All the information we have included about Aviva and their private medical insurance has been taken from their website and policy documents and is correct as of 22/07/26.
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