Aviva at a glance (July 2026)
| Aviva | |
|---|---|
| Product | Healthier Solutions (core + enhance/reduce options) |
| Published example price | Under £48/mo average — Aviva customers aged 35–50, new underwriting, Jan–Mar 2026 |
| Underwriting | 5 types: FMU, moratorium (5-yr/2-yr), CME, continued moratorium, MHD |
| Excess options | £100 / £200 / £500 / £1,000 / £3,000 / £5,000 per member per year |
| Hospitals | Expert Select guided option (within 25 miles) or Key list (~800 hospitals) / Extended / Trust / Signature |
| Mental health | £2,000 outpatient standard; inpatient 28 days/yr via upgrade |
| No-claims discount | 15 levels, max 75%; claims ≤£250/yr don't reduce it |
| Digital GP | Aviva Digital GP app, 24/7, free repeat NHS prescription delivery |
| Customers | Over 1.2 million people (Aviva, Dec 2025) |
Verified against Aviva's own published documents, July 2026.
What stands out (July 2026)
Aviva's core cover is the strongest of the big four before you add anything: full cancer cover as standard (the chronic exclusion explicitly doesn't apply to cancer), £2,000 of outpatient mental health as standard — rivals make you pay extra or use your general allowance — plus NHS cash benefit of £100/night for 30 nights, a £100 baby bonus, and a 24-hour stress counselling helpline. The published no-claims discount ladder (15 levels, up to 75%) is unusually transparent: claims totalling £250 or less in a year don't cost you any levels, and a Protected NCD add-on exists.
Pricing levers
Aviva's average is "less than £48.00 a month" (its own customers aged 35–50, Jan–Mar 2026). Three published discounts stack the first year: up to 10% for existing Aviva customers, up to 15% My Healthy Discount, and a first-renewal price guarantee (premium frozen if you haven't made an NCD-reducing claim). The Expert Select guided option cuts premiums by dropping the hospital list — Aviva sources quality-assured hospitals within 25 miles and guarantees to settle eligible bills in full. The "six week option" cuts cost further: no private inpatient treatment if the NHS can do it within six weeks.
Watch-outs
- Excesses run to £5,000 — good for premium-cutting, but remember it's per member per policy year, and dental/optical benefits carry their own separate £50 excesses.
- Chronic conditions other than cancer (diabetes, arthritis, epilepsy, asthma) are excluded, as are pre-existing conditions, pregnancy and overseas treatment.
- The reduced outpatient options (£0/£500/£1,000) remove or cap outpatient physio and mental health — check what the cheap quote has actually removed.
Who it suits
Anyone who wants cancer and mental health cover without paying for add-ons, price-sensitive buyers willing to use Expert Select or the six week option, and families — add two or more children aged 19 or under and you only pay for the oldest.
See options from the UK's leading providers — side by side, your exact profile.
Get a Free Quote →Frequently Asked Questions
Aviva's published average is under £48/month (£1.55/day), based on 25% of its customers aged 35–50 with new medical underwriting between January and March 2026. First-year discounts of up to 10% (existing customers) and up to 15% (My Healthy Discount) are published.
Yes — up to £2,000 of GP-referred outpatient mental health treatment (therapy and counselling) is included as standard, which no other major insurer matches without an add-on. Inpatient mental health (28 days/year) requires the mental health upgrade (verified July 2026).
A published 15-level scale from 0% to 75% off. You move up one level per claim-free year; claims totalling £250 or less in a year don't move you down; a large claim can drop you three levels. A Protected NCD add-on holds your level after a claim (Aviva NCD guide, January 2026).