Aviva’s Healthier Solutions is its individual health insurance product. Its options let you adjust the scope of cover, so compare the exact configuration rather than the brand alone.
Broad core benefits, with ways to reduce cover
Core cover includes outpatient care, cancer benefits and a stated outpatient mental health allowance. A cheaper quote may reduce outpatient cover, hospital choice or add a six-week NHS waiting condition. Read the selected options.
Policy and service breakdown
These details refer to the individual plan named below. Optional cover must appear in your accepted quote.
- Plan being compared
- Plan
Healthier Solutions: core cover with enhancements and cost-reduction options.
Provider source ↗ - Hospital treatment
- Core
Inpatient and day-patient treatment in core cover.
Provider source ↗ - Outpatient consultations & tests
- Core / adjustable
Outpatient care and diagnostics in core; cover can be reduced to lower the premium.
Provider source ↗ - Diagnostic scans
- Core
Diagnostic scans included; check your final benefit schedule if reducing cover.
Provider source ↗ - Cancer treatment
- Core
Cancer diagnosis, treatment and aftercare included, subject to the Cancer Pledge terms.
Provider source ↗ - Mental health
- Core + optional
Up to £2,000 outpatient mental health support in core; 28-day inpatient cover is an option.
Provider source ↗ - Physiotherapy & therapies
- Referral matters
Specialist-referred therapies in core; GP-referred therapy is an optional enhancement.
Provider source ↗ - Digital GP & advice
- Added service
24/7 Aviva Digital GP appointments. Non-contractual benefit that may be changed or withdrawn.
Provider source ↗ - Hospital & consultant access
- Choice
Hospital-list options and Expert Select available; reduced lists can lower cost.
Provider source ↗ - Starting a claim
- GP referral first
Ask a GP for a referral, preferably open; contact Aviva to check the proposed treatment.
Provider source ↗ - Existing conditions
- Underwriting applies
Pre-existing cover depends on underwriting; standard cover targets new, unexpected or short-term conditions.
Provider source ↗ - Price & excess
- Personal quote
Excess is your contribution to eligible claims; cover choices affect premium.
Provider source ↗
Actual customer rating
Aviva’s company-wide profile includes motor, home and other products. Its score is not a health-insurance-specific rating.
A closer look at customer feedback
Positive experiences
Recent reviews praise online policy setup and price.
Concerns to investigate
Other reviews describe trouble reaching an adviser and uncertainty when changing policy details.
Paraphrased observations from visible reviews on the linked profile, checked 26 September 2026. This is a small, non-representative sample; customer accounts are not independently verified. No individual review is reproduced in full.
Read the original customer reviews ↗What we cannot score fairly
We have not established a comparable health-only claims acceptance rate, average call waiting time or claims settlement time for this provider and all three alternatives. We therefore do not assign a numerical service-performance score.
Before you buy
Request the benefit schedule for your chosen options. Compare outpatient limits, excess and exclusions against the same requirements on your other quotes.
Our assessment is based on published information, not a personal policy recommendation or first-hand claims test. Ask for the full policy wording, benefit schedule, exclusions and excess terms.
Compare all four side by side ↗