Nobody can tell you what an Aviva policy costs without knowing who it is for and how it is set up, because Aviva prices each policy on the person it covers and the options chosen. What this page can do is show which settings in Aviva's policy wording move the price, and in which direction, so that when a number arrives you know what it was calculated for. The decision underneath is how much of a bill you are willing to carry yourself in exchange for a lower monthly payment. A broker can price Aviva at several settings, with other insurers beside it, from a single set of details. To have that done, leave your details in the quote form here; one FCA-authorised broker then handles the pricing, and you pay nothing for it.
The settings that decide an Aviva price
An Aviva premium is not one number looked up in a table. It usually reflects your age, where you live and your medical history, and then a handful of choices in the policy itself. The choices are the part you control, and Aviva's wording is firm about four of them. The middle column below comes from that wording; the last column is general market direction, not Aviva pricing.
| Setting | What Aviva's wording says | Which way it usually pushes the price |
|---|---|---|
| Excess | Six options, £100 up to £5,000, payable by each member every policy year (page 11) | A higher excess tends to lower it |
| Out-patient limit | Combined limit of £500 or £1,000, or a £0 option (pages 7, 8 and 24) | A lower limit tends to lower it |
| Six week option | Private in-patient and day-patient treatment is not claimable if the NHS could provide it inside six weeks of the date your specialist recommends it (page 11) | An option that narrows what is paid tends to lower it |
| Hospital list | At a recognised hospital off your list, in-patient and day-patient charges are paid up to the average for your list (page 13) | A narrower list tends to lower it |
"Tends to" is doing real work in the last column. These are the directions that hold across the UK market, offered as a reading aid; how far any one step moves a premium is something only a quote shows, and nothing here puts a size on it.
One note on the source before the detail. Every Aviva clause below comes from Aviva's Healthier Solutions terms and conditions, March 2026 issue (print code AV1590050_GEN6842_0326), as Aviva itself hosts it, read 21 October 2026. Aviva heads that document "Policies started or renewed before 1 November 2026", so anything bought for a later start could sit on revised wording; check any clause that matters to you against the version that comes with your quote. Page numbers are those of the PDF, which run two ahead of the numbers printed on the pages.
The excess: six options, charged every year
Aviva's wording lists excess options of £100, £200, £500, £1,000, £3,000 and £5,000, and says that benefits are "subject to an excess payable for each member every policy year" (Aviva, Healthier Solutions terms and conditions, March 2026 issue, page 11 of the PDF (numbered 9 in print), read 21 October 2026). That sentence settles two things that a monthly figure hides. The excess is per person, so on a policy covering four people each of the four can face one. And it resets with each policy year rather than being paid once for good.
The price logic is simple. Pick a higher excess and you carry more of the first part of any claim, which is why the premium tends to come down; choose a lower one and the insurer takes on more, which usually brings it up. The sensible question is not which option is cheapest but which one you could pay on the worst day of the year without strain. How much excess should you choose? works through that choice, and What is a private health insurance excess? sets out the clause with every option listed.
Aviva's dental and optical benefits are handled differently. Routine dental treatment and the optical benefit each have an excess of £50 under a dental and optical excess clause (page 11). If dental or optical cover is on your quote, ask how that £50 sits beside the excess you chose for everything else.
The out-patient limit, and what lowering it takes out
Out-patient care is the consultations and tests that do not need a hospital bed. In Aviva's wording a group of out-patient benefits "are subject to a combined out-patient limit of either £500 or £1,000 for each member, every policy year" (page 7 of the PDF (numbered 5 in print)). A third choice, reduced out-patient cover at a £0 limit, takes out-patient treatment out of cover altogether, consultations and diagnostic tests included (page 24 of the PDF (numbered 22 in print)). Treatment received through some of Aviva's networks sits outside that £0 limit (page 8 of the PDF (numbered 6 in print)).
Across the market a lower out-patient limit usually brings the premium down, since the insurer is promising to pay for less. Aviva's wording adds that the £500 and £1,000 limits reach beyond the out-patient line: with either one, Aviva gives no cover in any setting, admitted or not, for complications of pregnancy and childbirth or for dental surgery done in a hospital (page 8). A lower-limit quote therefore drops those two categories in every setting, and anyone who expects to need either should find that line before comparing prices; Aviva health insurance: getting a quote prints it in full.
There is one carve-out that matters to anyone choosing a low limit to save money. Aviva's cancer terms say that where a monetary out-patient limit of £0, £500 or £1000 has been chosen, "the monetary limit will not apply to cancer treatment received after you have been diagnosed with cancer" (page 17 of the PDF (numbered 15 in print)). The sentence is about the limit, not about everything in the policy, so it is not a reason to assume that a low-limit policy behaves like a full one after a diagnosis; it is a reason to ask which benefits the carve-out reaches, and which networks fall outside the £0 limit; both are points a broker will work through with you free of charge on the call-back. Benefit limits generally are explained on Private health insurance benefit limits explained.
The six week option, and what it trades away
This option changes when the policy pays rather than how much. Where it applies, Aviva's wording says you cannot claim for private treatment as an in-patient or day-patient:
"if your treatment is available on the NHS (including accident or emergency admissions) within six weeks from the date your specialist recommends it"
— Aviva, Healthier Solutions terms and conditions (March 2026 issue), page 11, read 21 October 2026. Where that happens, the clause also rules out the "NHS cash benefit, NHS cancer cash benefit or for the cost of an NHS amenity bed", and it ends: "The six week option is not available to residents of the Channel Islands or the Isle of Man." A quote for someone living in Guernsey, Jersey or the Isle of Man therefore cannot include it.
In price terms an option that narrows when the policy responds usually makes the premium lower, because claims the NHS could have treated inside the window would not reach the insurer. The cost to you is that whether a claim is paid can turn on the NHS wait for your treatment, which you cannot know when you buy. The six weeks run from the date your specialist recommends the treatment. Private health insurance versus the NHS sets the clause beside the NHS route, and the way it cuts into Aviva's NHS cash lines is covered on Aviva health insurance: discounts and offers.
The hospital list: where treatment is paid in full, and where it is not
The fourth setting is which hospitals the policy treats as its own. Aviva's wording has a hospital list, and spells out what happens away from it:
"If you receive treatment as an in-patient or day-patient in a hospital or facility that is not: • included on your hospital list, or • included on one of our networks, or • an NHS pay-bed at an NHS hospital but is recognised by us, we will calculate the average cost of hospital charges for equivalent treatment across all hospitals on your list and that average cost is the maximum we will pay"
— Aviva, Healthier Solutions terms and conditions (March 2026 issue), page 13 of the PDF (numbered 11 in print), read 21 October 2026.
What this tells a buyer about price is indirect but useful. Across the market a narrower list usually brings the premium down, and a list with expensive central hospitals on it usually pushes it up. The clause shows the other half: the list also sets a ceiling on what is paid elsewhere, because the ceiling is an average of the hospitals on it. A cheaper list can therefore leave a gap if you later choose a hospital that costs more than the list's average. The list comes with the quote, so the practical step is to check, by name, the hospitals you would actually use against the one named on it. Private health insurance hospital lists explained covers how lists work in general.
Everything else that moves the number
The four settings sit on top of things you cannot choose. Age usually matters most: premiums tend to rise as you get older, often more steeply in the later decades. Where you live, whether you smoke and how your medical history is treated commonly play a part too, and the last is a choice as well as a fact, since the route for declaring past conditions can change both the price and what the policy will refuse to pay for. Which underwriting routes Aviva offers, and which one a given quote assumes, is something a broker can explain free when they ring back, and the guide to buying with a pre-existing condition shows why that matters.
To give the whole idea some scale, here is the broad UK market with no insurer's name on it. Take these as indicative only, a loose picture of the market and no one's offer to you: mid-range cover including out-patient benefit, with an excess that is neither high nor low, tends to run about £40 to £80 a month for one person in their forties, which is £480 to £960 over twelve months, and about £90 to £180 a month for one person at or near 60, which is £1,080 to £2,160 a year. Neither range is Aviva's, and neither is yours; your own figure needs a quote built on your age, health and choices, and obtaining one through the broker this site introduces is free. A premium at the bottom of a band is often a policy with cover taken out of it, which is what the four settings above are for. The rest of the age bands are on The average cost of private health insurance in the UK.
Payment is the last thing to keep straight. A monthly figure is one of twelve due each year, so ask for the yearly total on the same quote, and whether paying monthly changes it.
Getting the comparison made for you
A single quote shows one point on a surface. The more useful picture is several points, and these are the requests that produce it:
- Aviva at two or three excess options, with everything else held still.
- The same policy with and without the six week option, and with each out-patient limit you are weighing.
- The hospital list named on the quote, and whether the hospitals you would choose are on it.
- The underwriting route assumed, and the yearly total as well as the monthly figure.
A grid like that is a routine request for a broker, who can put your details to Aviva and to other insurers and bring the answers back on matching settings, although that means several insurers, not the whole market. It costs you nothing, and the quote form is where to start it. If you have already settled on Aviva and know the options you want, going to Aviva directly is also reasonable; Aviva health insurance: getting a quote covers both routes.
Other insurers set the same dials differently. AXA Health: what it costs walks through AXA's, and Bupa's By You policy guide, for one, has no excess to pay on a Direct Access assessment by phone or video, and does not count its cost against the out-patient allowance, where the policy has either (Bupa, BINS 14718, 2024, page 7, read 4 September 2026).
Questions about what Aviva costs
How much is Aviva health insurance a month?
It differs from person to person, because Aviva prices each policy on the individual. The only figures on this page are the indicative market ranges under "Everything else that moves the number", which carry no insurer's name and depend heavily on age. Your Aviva figure comes from a quote built on your own details.
Does Aviva health insurance cover physiotherapy?
Aviva's option D covers "GP referred treatment by" a physiotherapist, chiropractor, osteopath or acupuncturist, "Up to 10 sessions in combined total", "For each member, each condition, every policy year" (page 10 of the PDF (numbered 8 in print)). A separate line deals with therapy a specialist refers you for: "If either Reduced out-patient cover and selected benefit reduction (C2) or Reduced out-patient cover - £0 limit and selected benefit reduction options have also been chosen, there is no cover for specialist referred treatment by a physiotherapist, osteopath, chiropractor or acupuncturist in any circumstances" (page 16 of the PDF (numbered 14 in print)). If physiotherapy matters to you, check which out-patient option a cheaper quote carries, and whether option D is included.
Does Aviva health insurance cover cancer?
Aviva's terms have a section of cancer benefits, and two lines in it bear on cost. One is the out-patient carve-out on page 17, set out above. The other is that Aviva pays for chemotherapy in full "if you have the treatment at a hospital covered under your hospital option" (page 18 of the PDF (numbered 16 in print)), which ties cancer cover back to the hospital list. Which cancer options a particular policy carries is for the quote and the policy documents to say, and Aviva health insurance: reviews and reputation looks at the same terms from the complaints side.
Does Aviva health insurance cover dermatology?
That depends on the policy and the options on it. Because a skin appointment usually begins as an out-patient consultation, the out-patient limit on your quote is the setting most likely to shape how it is paid; a broker will look up the dermatology position for you at no charge during the call-back, and it is worth having Aviva confirm it in writing before you book.
Does the Aviva price change at renewal?
Premiums generally can change at each renewal, and what moves them is covered on Your health insurance renewal price: what to do. The renewal figure comes from Aviva, and the settings above are the same dials you can adjust to see what a change would do.
One step remains: decide how large an excess you could carry, whether an NHS date inside six weeks would be acceptable, which out-patient limit you could live with and which hospitals you would want, then have those settings priced. Enter them in the quote form and the broker will come back with figures, at no charge to you.