Aviva logo

UK Private Health Insurance Review

UK's largest general insurer; MyHealthCounts rewards programme

Aviva Health Insurance Review & Prices 2026

Most excess options on the market & pay-for-eldest-child-only

40s from£56–84/mo
3.5Trustpilot (21.0k)
260+hospitals
5yrmoratorium

Get a real quote

Prices shown are illustrative starting points only. Speak to an adviser or go direct for a real, personalised quote from Aviva.

Speak to an adviser →Prefer to go direct →

By clicking “Speak to an Adviser” you'll be connected to UK Health Insurance, an FCA-regulated whole-of-market broker (FCA no. 312313). This is a free, advised service — they are paid by the insurer if you take out a policy, and we are also paid a referral fee. Learn more →

Who is Aviva best for?

Cost control via excess choice
Families (eldest-child pricing)
No maximum joining age

Aviva Plans & Pricing 2026

Select your age band for indicative pricing

Showing typical 40s pricing — select your age above for a more relevant estimate.

Healthier Solutions — NHS Top-Up

basic
£26–£38/mo

indicative 40s range

Excess: £250, £500

Outpatient coverNHS 6-week wait option
Cancer coverfull
Mental healthnot included
Therapiesnot included
Dental & opticalnot included
NCD protectionavailable

Healthier Solutions — Expert Select

mid
£44–£66/mo

indicative 40s range

Excess: £0, £100, £200, £250, £500, £1000

Outpatient coverFull, with guided hospital/specialist choice (typically 3-4 options per claim)
Cancer coverfull
Mental healthincluded
Therapiesoptional add-on
Dental & opticaloptional add-on
NCD protectionavailable, per-member NCD

Healthier Solutions — Comprehensive

comprehensive
£56–£84/mo

indicative 40s range

Excess: £0, £100, £200, £250, £500, £1000, £1500

Outpatient coverFull, or limit/remove to cut cost
Cancer coverfull
Mental healthincluded
Therapiesoptional add-on
Dental & opticaloptional add-on
NCD protectionavailable, per-member NCD

Indicative price ranges only. Based on 2026 market research for a healthy non-smoker with a £250 excess in an average UK postcode. Your actual quote will differ. Full pricing methodology →

Indicative price ranges only. Based on 2026 market research for a healthy non-smoker with a £250 excess in an average UK postcode. Your actual quote will differ. We may receive a referral commission when you take out a policy through a link on this site — this never affects the price you pay. Full pricing methodology & about us →

Related reading

Aviva vs Bupa Health Insurance: Flexibility vs Inclusion (2026)

Aviva vs Bupa health insurance compared in 2026 — pricing flexibility, cancer cover, mental health, hospital networks and which UK insurer suits you.

AXA Health vs Aviva Health Insurance: Which Offers Better Value? (2026)

AXA Health vs Aviva health insurance compared in 2026 — modular build-your-own versus flexible pricing with seven excess levels. Which UK insurer suits you?

Best Private Health Insurance for Couples UK (2026)

The best UK private health insurance for couples in 2026 — joint policy vs two individual policies, couples discounts compared, and which insurers suit couples best.

Best Private Health Insurance for Families in the UK (2026)

The best UK private health insurance for families in 2026 — which insurers offer eldest-child-only pricing, family no-claims discounts, and free newborn cover.

Best Private Health Insurance for Mental Health Cover UK (2026)

The best UK private health insurance for mental health cover in 2026 — which insurers include it as standard, session limits compared, and what's actually covered.

Best Private Health Insurance for Over-50s in the UK (2026)

The best UK private health insurance for over-50s in 2026, covering joining ages, pre-existing condition rules, and which insurers specialise in older applicants.

Best Private Health Insurance UK 2026: Independent Comparison

The best UK private health insurance in 2026 — independent comparison of Bupa, AXA, Vitality, Aviva, WPA, The Exeter and more, with prices and honest pros and cons.

Cheapest Private Health Insurance UK 2026: Budget Plans Compared

The cheapest UK private health insurance in 2026 — budget plans from Aviva, AXA, Freedom, National Friendly and more, with honest trade-offs explained.

How to Switch Private Health Insurance Without Losing Cover UK (2026)

How to switch UK private health insurance without losing cover in 2026 — CPME explained, NCD transfer, and how to avoid common switching mistakes.

Vitality vs Aviva Health Insurance: Wellness Rewards vs Straightforward Cover (2026)

Vitality vs Aviva health insurance compared: wellness rewards, pricing, cancer cover and which suits active vs low-engagement applicants.