Aviva Health Insurance Review 2026: Healthier Solutions Cover, Cost & Verdict

Overview

Aviva's Healthier Solutions is a comprehensive personal health insurance plan known for flexibility on price. Seven excess levels, a six-week NHS wait option, hospital list choices and the MyHealthCounts wellness programme (up to 15% renewal discount) give you plenty of levers to control cost.

Cover includes full cancer care as standard, with unlimited outpatient cover available as an upgrade. There's no maximum joining age, and each member holds their own no-claims discount, so one person's claim doesn't affect the whole family's premium.

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Strengths

Full cancer cover as standard
Many premium-reduction options: excesses, hospital lists, six-week wait
MyHealthCounts wellness discount of up to 15% at renewal
No maximum joining age
Per-member no-claims discount protects the rest of the family

Things to consider

A claim over £250 can drop your no-claims discount three levels
Repeated mental health claims can lead to a chronic classification
Outpatient cover is limited unless you pay for the unlimited upgrade

Who is Aviva best for?

Buyers who want comprehensive cover but need levers to keep the premium down, and older joiners other insurers may turn away.

What does it cost?

From £50/month. Indicative for a 30-year-old with a moderate excess, 2026. Your price depends on age, postcode, cover level and excess.

Frequently asked questions

What is Aviva's six-week wait option?

It's a discount option: if the NHS can treat you within six weeks, you use the NHS; if the wait is longer, Aviva pays for private treatment. With many routine NHS pathways currently running months rather than weeks, the option often behaves like full cover in practice while costing noticeably less.

Does Aviva cover cancer?

Yes — Healthier Solutions includes full cancer cover as standard, from diagnosis through treatment, including chemotherapy, radiotherapy and licensed cancer drugs that may not yet be routinely available on the NHS. Cover continues while the policy remains in force, subject to the policy terms.

How can I reduce my Aviva premium?

Several ways: pick a higher excess (seven levels available), choose a smaller hospital list, add the six-week NHS wait option, or engage with MyHealthCounts, which can earn up to 15% off at renewal based on your health profile. Combining levers can reduce the premium substantially.

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Understand how health insurance works

Dr Compare provides general information about private health insurance and introduces enquirers to authorised insurance intermediaries. We do not give financial advice or personal recommendations. Product details, prices and waiting time figures are indicative, based on publicly available information, and may change — always check policy documents before buying. Guide prices for private treatment are illustrative and vary by provider, location and individual circumstances.

Aviva Health Insurance Review