How much does Aviva health insurance cost monthly 2024?
Aviva health insurance is considered to be one of the UK’s top medical insurance providers and is certainly one of the most well-known brands. Aviva PLC. is the largest general insurer in the UK currently, with 20% of the life insurance market and more than 11 million customers across insurance, retirement and wealth.
The history of Aviva goes back more than three centuries which gives them a wealth of expertise in the financial services industry, and a great reputation as a leading insurer. Aviva’s product ranges span across the whole financial services and insurance sector, including car insurance, home insurance, pensions, investments, life insurance and health insurance.
This guide from our team of independent medical insurance experts provides guidance for the cost of Aviva health insurance (Healthier Solutions) for individuals, couples and families. We’ll explain how Aviva health insurance premiums are calculated and the various options that are available for consumers.
Our health insurance specialists are constantly reviewing the medical insurance market to provide consumers with the latest and most up to date information. You can also find out more about Aviva health insurance products and policies from our latest Aviva health insurance review.
60-Second Summary – How much does Aviva Health Insurance cost per month 2024?
More UK households are looking at quotes for health insurance than ever before, so demand is high and so is competition for new customers. With so much choice available, it’s important to understand which providers and policies are best and cheapest for you and your family.
Aviva health insurance (Healthier Solutions) premiums are considered to be one of the best value for money for certain groups of customers, but not necessarily for everyone. In this guide, we’ll look at which types of customers are best suited to Aviva health insurance and which aren’t.
- Aviva health insurance costs are generally classed as some of the best value and often are the lowest of all of the top medical insurance providers.
- Six week option is a great way to reduce the cost of your Aviva health insurance premiums to make them more manageable.
- Additional free benefits with Aviva health insurance include Wellbeing services, Enhanced Cancer Cover and £100/night cash payment for hospital stays.
- Aviva health insurance is one of the highest rated health insurance and general insurance providers in the UK.
- Add extra people to your Aviva health insurance plan and you could save money on the overall cost per person.
How are Aviva health insurance premiums calculated?
Most of the top health insurance and medical insurance providers will use a unique pricing and underwriting criteria for each age group and category of customer. The cost of Aviva health insurance is also based on a similar pricing structure, with a few unique elements to help separate them from the rest of the insurers in this sector.
Aviva health insurance premiums are calculated based on several core elements as well as having some unique points to make them more appealing to certain customers.
Aviva health insurance monthly costs summary
|What impacts the monthly cost of Aviva health insurance?
|Explanations and examples
|How old you are
|It is a standard thing for any health insurance premiums to increase as we get older, mainly because of the extra health problems we experience and the additional risks of medical complications. It’s understandable that Aviva health insurance costs more for older people than it does for younger adults who are relatively low risk medically.
|Your home address (postcode)
|The cost of private healthcare can vary dramatically depending on where you live in the UK and where you might need to receive treatment. Some of the most expensive areas for private healthcare are London, the South, Manchester and Liverpool.
Aviva health insurance costs differences by locations tend to run more or less in line with all of the other top health insurance providers, but we do always look out for differences and potential savings.
|The number of people covered by your health insurance plan
|When you take out an Aviva health insurance policy for multiple applicants (e.g. couples, families, or group business cover), your premiums will generally increase by a proportion based on each person covered by the plan.
Aviva does offer a number of discounts and incentives for policies with multiple individuals, and so it’s worth checking to see whether you can save money by choosing a joint or family policy.
|Excess type and amount
|Excess payments for Aviva health insurance costs work in a similar way to other types of general insurance with an excess option, with a few slight differences.
You can reduce your monthly premiums by increasing the amount of excess that you pay for each claim that you make. Another slight difference with Aviva health insurance is that you can select to pay an excess ‘per claim’ or ‘per year’ which means that you could pay two lots of excess, if a claim runs over an anniversary date or renewal.
Aviva Healthier Solutions Excess Summary – CLICK HERE
Aviva Healthier Solutions Excess & Outpatient Information – CLICK HERE
|Hospitals and Consultants
|Aviva health insurance has three different hospital list options that all have a direct impact on the amount that you pay for your private medical insurance every month.
Options range from the basic option called ‘Key Hospital List’ which has around 800 hospitals listed (including some private and some NHS hospitals with private facilities), to ‘Extended Hospital List’ which increases options in areas such as London, and the top option called ‘Fair+Square Hospital List’ which includes an exclusive range of private hospital providers.
Aviva Hospital Lists – CLICK HERE
|No claims discounts
|Aviva health insurance costs can reduce by as much as 75% with full No Claims Discount (NCD) which is comparable to the other top medical insurance providers. You can also add an optional ‘Protected No Claims Discount’ that can be applied to each member of the plan.
Aviva No Claims Discount Summary – CLICK HERE
|Cover options and benefits
|You can also adjust the amount and type of core cover options that you have on your Aviva health insurance policy to reduce costs and tailor your level of cover to suit you.
One of the unique options that can be included or added to reduce the cost of your Aviva health insurance policy is the ‘Six Week Option’ which significantly reduces premiums. Ultimately, your policy can be tailored to suit your budget and your family or individual needs.
|Smoker or non-smoker
|Smokers will naturally pay higher premiums for Aviva health insurance than non-smokers, mainly because of the extra health risks from smoking or vaping.
You will be classed as a smoker if you have smoked, vaped or used any nicotine replacement products in the past 12 months, which is the same for almost all of the top medical insurance providers.
|Underwriting options and pre-existing medical conditions
|There are also options for the type of underwriting that you choose with Aviva health insurance which is also the same for other top medical insurance providers.
By far the quickest and easiest option is called ‘Moratorium underwriting’ which is automated. If you have a pre-existing medical condition then you can potentially reduce your premiums by selecting ‘Full Medical Underwriting’ which will exclude any chronic or pre-existing conditions which can reduce your premiums with the exclusions taken in to consideration.
Aviva Chronic Conditions Explained – CLICK HERE
|Additional benefits and add-ons
|Aviva health insurance has similar optional benefits to other top medical insurance policies, these include Dental and Optical cover, Mental health treatments, Extended hospital lists, alternative therapies and protected no claims discount.
Note: The cost of Aviva health insurance policies and cover are based on your own individual circumstances which takes all of these areas in to account. You can tailor your medical insurance premiums to suit your budget and your needs but also you should get proper advice from a health insurance specialist.
About this guide to the cost of Aviva health insurance
This guide is produced by our team of private medical insurance specialists to provide our users with the details and examples of costs, to help them to compare costs of Aviva health insurance with other top insurers more easily. These and any examples of premiums that are quoted in our illustrations below, are purely to be used as a guide and not an absolute cost for every scenario or circumstance.
All of our examples in this guide to how much does Aviva health insurance cost are generated using our live pricing systems which are up to date and accurate. Our health insurance experts are constantly reviewing the market to find the latest and most up to date pricing for consumers.
Aviva Guide To Private Medical Insurance – CLICK HERE
Note: We do not sell your data to any third parties and any enquiries are dealt with by our own team of health insurance specialists. We pride ourselves on providing consumers with the very latest and best products from the UK’s top health insurance providers.
Is Aviva health insurance worth it?
One of the main things that you get from Aviva health insurance is the brand and the centuries of expertise in the insurance market. Some of the key areas that separates Aviva health insurance from other top medical insurance providers is flexibility and value.
It’s also fair to say that Aviva health insurance is not for everyone and there may be cheaper or better options that are available to you, depending on your circumstances. Many of our customers choose Aviva health insurance because they know and like the brand, but also because of the value for money that it gives them.
From our extensive market research, we know that Aviva health insurance premiums were at least competitive and often cheapest in over 50% of our examples. We also know that there are a number of key areas and demographic groups where Aviva health insurance was the top for value and quality of cover.
Aviva Healthier Solutions Terms & Conditions – CLICK HERE
What is the best way to compare the cost of Aviva health insurance?
Most of us now would be quite comfortable and happy to compare the cost of several health insurance providers and to look at the quality of its cover. You might think that a provider such as Aviva health insurance is better because of the brand, but it’s not just about how well you know them.
You should compare the costs and cover options for at least the Top 5 health insurance providers to see which is best and cheapest for you. The main medical insurance providers to compare with Aviva health insurance are AXA, Bupa, The Exeter and Vitality.
You can quickly and easily compare the cost of Aviva health insurance with all of the other top medical insurance providers by getting free advice from our team of experts. For more information and a Free No Obligation health insurance quote CLICK HERE or call 0800 009 6559.
Is Aviva health insurance any good?
One of the main things that you get with any Aviva health insurance policy is the quality that tends to come with an Aviva insurance product. Some of the key benefits for taking an Aviva health insurance plan are reputation, trust, service and quality, which are all very important for consumers.
Aviva health insurance also offers a handful of unique options and benefits that help to set them apart from the other top medical insurance providers. Some of the key elements to this include the Six Week Option, Cancer Cover options, Extended Hospital List options, Protected No Claims Discount and its Wellbeing services.
What is Aviva health insurance Defaqto rating?
Defaqto is one of the biggest independent review services for financial services and financial products, such as banking, insurance, pensions and investments. Aviva PLC. has a strong reputation and history of high scoring products with Defaqto.
Aviva health insurance is one of several products from the Aviva Group that achieves the highly prestigious Defaqto 5 Star rating, including:
- Aviva health insurance
- Aviva home insurance
- Aviva life insurance
- Aviva car insurance
- Aviva business vehicle insurance
- Aviva corporate pensions
Another key area where Aviva health insurance consistently scores higher than most, if not all of its competitors, is customer reviews. You can read the latest customer reviews for Aviva and Aviva health insurance on its Trustpilot page which currently shows more than 30,000 independent customer reviews.
Note: Aviva health insurance costs are also a major part of whether this is a good insurer for you or not and its important to take everything in to account. The above screenshot and attached scores are accurate as of 22/01/2024.
What is the average cost of Aviva health insurance?
Based on our latest extensive market research, the average cost of private health insurance from Aviva is between £40.73 and £78.87 from individual health insurance to health insurance for a family of four. We also identified from our recent research of the cost of health insurance from the top medical insurance providers that Aviva was consistently one of the leading providers for value, especially for younger members.
We’re always working hard to help our customers and we’re extremely proud of the amount of knowledge and expertise that our team of health insurance specialists has. Our experts are constantly reviewing the medical insurance market to make sure that our information is always up to date and that we give our customers the very best and latest information.
These examples set out in the illustration tables below show the cost of Aviva health insurance for certain types of policy’s across a number of age groups. The examples displayed in our price tables are live premiums but should only be used as a guide as your own requirements and circumstances will often be different to these.
Quote criteria: Person/people that are within an age group and are non-smokers. All quotes produced use moratorium underwriting and have a post code in the North East of England. Any figures that are quoted in the tables below are generated on live pricing systems by our team of health insurance specialists in January 2024. The cost of an Aviva health insurance (healthier solutions) policy is quoted using a £500 excess, standard cancer cover, and an outpatient limit of £500.
How much does individual Aviva health insurance cost per month?
The table below shows several examples of the cost of Aviva health insurance (healthier solutions) for individuals over a wide range of age groups.
|Age of policyholder
|Aviva health insurance premiums for individuals (monthly)
*the cost of Aviva health insurance premiums shown in the examples above were produced in January 2024 for individual or single life policies. Premiums will change for each policyholder depending on their circumstances and cover option requirements.
Examples and illustrations for the cost of individual Aviva health insurance across a number of different age groups clearly shows how competitive premiums are, especially for younger individuals. The cost of Aviva health insurance (healthier solutions) do tend to be slightly higher than some of the other Top medical insurance providers for older lives.
How much does Aviva health insurance cost for couples?
In the table below we show a number of examples for different age groups and the cost of Aviva health insurance for couples.
|Age of policyholders
|Aviva health insurance premiums for Couples (monthly)
*the cost of the Aviva health insurance for couples examples shown in the table above were generated on our live systems in January 2024. Our team of health insurance experts uses a standard policy and options to show what premiums you might expect for a basic level of cover.
At the point that these Aviva health insurance premiums for couples were generated we could clearly see that they were competitive against all of the top medical insurance providers. The cost of Aviva health insurance for couples were considerably lower than most of the other top providers for younger policy holders and then comparably to most of the competitors for all their lives.
How much is Aviva health insurance for families per month?
The table below shows several examples 4 the cost of Aviva health insurance for a family of four (including two adults and two children). For the examples that we have produced below we have used a typical family that has two children of the ages of five and eight years of age to help illustrate potential monthly premiums.
|Age of policyholder
|Aviva health insurance premiums for families (monthly)
*our examples of the cost of Aviva health insurance for families were generated on our live quote systems in January 2024 and are updated regularly. These examples shown are for illustration purposes only and should not be used as an absolute guide to the cost of Aviva health insurance for families. Premiums can vary significantly depending on your own circumstances and your cover requirements.
This recent research has shown that the cost of Aviva health insurance for families can be competitive against the other top medical insurance providers, however, Aviva did not always come out top in pricing. You should definitely compare the cost of Aviva health insurance for families to find the cheapest quotes and the best cover options for you.
How much can you save on Aviva health insurance Six Week Option?
Aviva health insurance is one of two private medical insurers that offers a ‘six week option’ which can save you as much as 20% on your monthly premiums. The purpose of the 6 week option is to help to make Aviva health insurance premiums more affordable if your budget can’t stretch as far as paying for full cover.
Aviva Healthier Solutions 6 Week Option Summary – CLICK HERE
Six Week Option Pros and Cons
|Cheaper premiums – the cost of Aviva health insurance with a 6 week option is usually around 20% lower than standard hospital list options.
|Stressful waiting times – you might have to wait longer for confirmation of private medical treatment has been approved and that your claim would be paid.
|NHS treatments – you can still receive treatment from the NHS for some medical procedures which is still world renowned for its quality of care.
|NHS wards and facilities – Any procedures that can be treated within 6 weeks will be carried out by the NHS and you may need to stay overnight in an NHS hospital.
|Peace of mind – health insurance can provide you with access to some of the best private medical care in the world and can protect yours and your families health if you become ill or injured. Even though you won’t be able to access private treatment within the first 6 weeks, you’ll still have all of the facilities after this period.
|No serious or emergency treatments – if you require emergency treatment for an acute attack or medical emergency (i.e. heart attack, stroke or serious accident) your policy would not cover any of these treatments privately and the NHS would provide care.
Note: The ‘Six Week Option’ can help to reduce the cost of Aviva health insurance premiums by as much as 20% but this isn’t right for everyone. This is an optional benefit that can be added to make the policy more affordable to people with a smaller budget.
"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."
by Elizabeth Turner-Long - 9th August 2023
How can I save money on the cost of Aviva health insurance?
Aviva health insurance is already classed as one of the cheapest of the Top medical insurance providers from our market research. When our team of health insurance experts performed our most recent market review, we found that Aviva was top or top 2 for over 60% of quotes generated.
You might still want to reduce the cost of your Aviva health insurance policy to make it more affordable or to be able to increase your cover.
Here are some useful hints and tips to help you to save on your Aviva health insurance:
Smoking and vaping
Smokers will automatically pay a higher premium than non-smokers due to the typical health risks that apply to nicotine. If you have smoked or vaped in the past 12 months then you will be classed as a smoker, but if you’ve given up or are giving up then you could reduce your Aviva health insurance premiums.
Options and benefits
By selecting the right levels of cover and the right amount of excess, you can significantly reduce your Aviva health insurance premiums. Most of the options and benefits can be adapted to suit your needs and your monthly budget. You should make sure that your cover is suitable and that you can afford to pay your premiums.
Medical underwriting and pre-existing conditions
If you’ve got a pre-existing medical condition or a chronic illness, then you should also consider getting quotes for ‘Full Medical Underwriting’ (FMU). Your pre-existing condition would be excluded regardless of whether you have a fully underwritten policy or a moratorium underwriting plan. Your premiums should be reduced to account for any exclusions under the full medical underwriting route, so should cost less.
When you’re talking out a new health insurance policy or renewing an existing plan, you should always make sure that you check quotes against the other top medical insurance providers. The cost of Aviva health insurance changes regularly and you can save money by switching to an alternative provider or looking for quotes from other insurers.
Get health insurance advice from a specialist
You can also save money by getting proper advice from an Aviva health insurance specialist or broker. Most health insurance brokers won’t charge for their advice and can help you to save money on your monthly premiums by getting the right cover for your needs.
How to compare Aviva health insurance quotes
Comparing the cost of Aviva health insurance can be confusing and so it’s important to get advice from a qualified health insurance expert. You could save time and money by speaking to one of our team of medical insurance specialists to get the best cover for you and your family.
Paying the right price is important but also getting the best cover is vital when you’re looking for health insurance. Getting the wrong cover can be catastrophic if you need to make a claim on your medical insurance policy in the future.
For more help or advice you can speak to one of our friendly team of health insurance specialists by calling 0800 009 6559 or CLICK HERE.