If you have searched for an Aviva health insurance quote, what you want is a number, and this page has not got one. Nothing here is Aviva: this site does not sell Aviva's cover, is not authorised to advise on it, and holds no premium data for any insurer, so a price for an Aviva policy printed here could only have been invented. Aviva will quote you itself. What this site does is introduce readers to one FCA-authorised broker, who can price Aviva and several other insurers in one conversation. If Aviva's number beside others is useful to you, fill in the form on this page; the introduction costs you nothing and the call takes minutes.
What this page can do is help you read the quote when it lands. A quote is a price plus the choices and limits it was calculated for: change a choice and the number changes, miss a limit and the number means something other than you assumed. Below are seven clauses from Aviva's own policy wording, and what each does to the figure in front of you.
Two ways to get an Aviva medical quote
The first route is Aviva's own: you give Aviva your details, Aviva comes back with a price for an Aviva policy, and if you have settled on Aviva and already know which options you want, nothing on this page improves on that; it is not here to talk you out of Aviva.
The second is a broker. A broker does not get you a different Aviva policy, and nobody here will claim a broker gets it cheaper: we do not hold the prices to know, and promising a saving is not something an unauthorised site gets to do. What a broker adds is breadth — your details go to several insurers rather than one, and the quotes come back on comparable options, so you can see whether Aviva's excess levels, options and exclusions are the ones you want to live with. That is several insurers, not the whole market. The broker is the authorised party here; this site introduces you, may be paid for doing so, and does not advise.
Some people reaching this search are existing members after a renewal figure rather than a first quote. That number comes from Aviva; what tends to move it is on Private health insurance renewal: what to expect.
Which Aviva document this page quotes, and which issue it is
Every Aviva clause below comes from one document: the Healthier Solutions terms and conditions, April 2025 issue, print code AV1207200_GEN6842_0425, read on 4 September 2026. We did not read it on Aviva's website: that server turns away automated requests, so the copy we worked from is one an intermediary hosts. A later issue has since been published — print code AV1590050_GEN6842_0326 — which we have not read. So treat what follows as the April 2025 wording rather than as Aviva's current terms.
What we hold is also an extract: seven clauses out of a policy document, so nothing follows from what is missing from it. Where this page says we have not established something, that means nobody here has read the relevant page of Aviva's terms, not that Aviva is silent on it. And your own quote may be for a different Aviva product, or a later version of this one; the documents that arrive with it are the ones that bind you.
What the number on an Aviva quote turns on
Five lines do most of the work. Three of them are in the wording we hold.
The excess you pick
Aviva's terms set out six excess levels, from £100 up to £5,000, and the clause attached to them says that benefits are subject to an excess payable "for each member every policy year" (Aviva, Healthier Solutions terms and conditions (April 2025 issue), page 11, read 4 September 2026). Two things follow for someone reading a quote. A family quote carrying an excess is not carrying one excess between the family: on that wording it is one each, which Private health insurance for families — what it costs works through. And it is annual rather than per claim, so the figure is the most that line can cost you in a policy year. The clause is quoted in full, with every level listed, on What is a private health insurance excess?, and weighed against price on How much excess should you choose?.
The six week option
This is an option in the wording, and the likeliest reason two quotes for apparently identical cover come back at different prices. Where it applies you cannot claim for private in-patient or day-patient treatment if the NHS can treat you within six weeks of the date your specialist recommends that treatment, and the same clause removes the NHS cash benefit, the NHS cancer cash benefit and the cost of an NHS amenity bed; it is also not available to residents of the Channel Islands or the Isle of Man (page 11 of the same issue).
Two things to notice if it is on your quote. The six weeks run from the date a specialist recommends treatment, which only arrives after you have been referred and seen — not six weeks from the morning you went to a GP. And the benefit it removes is the NHS cash benefit described further down this page, so a quote can give you something in one line and take it back in another. You can read the whole clause on Private health insurance versus the NHS.
The reduced out-patient limit
This clause was not in the evidence assembled for this page, but it belongs on it, because it is the clearest case of a quote-form choice doing more than it appears to. Aviva's terms say that if you have chosen a reduced out-patient limit of £500 or £1,000, you are "not covered as an in-patient, day-patient, or out-patient" for complications of pregnancy and childbirth, or for surgical procedures on the teeth performed in a hospital (same document, page 8). So lowering that limit is not only a cap on out-patient spending: on this wording it takes two categories of treatment out of the policy in every setting, and if a cheaper quote came back after somebody adjusted an out-patient figure, that may be part of what the adjustment bought. The clause sits in full on Private health insurance benefit limits explained.
Two lines we hold no Aviva clause on
A quote is also priced for one particular way of handling what you have been treated for before — declaring it all when you apply, a moratorium that sets recent conditions aside and tests them at the point of claim, or carrying exclusions over from a previous insurer — and for one particular list of hospitals. Those are general market terms rather than Aviva's definitions: we hold no clause from Aviva on either, so this page will not tell you which routes it offers or how it tiers its lists. Both are plain questions to ask, and the underwriting one is the most important line on the quote if you have a condition. See Private health insurance with a pre-existing condition and Private health insurance hospital lists explained.
None of these lines is visible from the number by itself. A broker can have Aviva priced at more than one excess level, with and without the options, and set the results beside other insurers quoted on the same basis; the form on this page is what starts that.
Out-patient mental health: the line worth reading twice
Of everything in the wording we hold, this is the clause most likely to matter more than the person getting the quote expected, and the one this page sets out in full rather than pointing elsewhere, because the exact words are the point.
"Mental health treatment as an out-patient Up to £2,000 On GP referral to a psychiatric therapist or psychiatric specialist."
— Aviva, Healthier Solutions terms and conditions (April 2025 issue), page 6, read 4 September 2026. It is a row from a benefit table, and the table's heading is what makes the £2,000 a policy-year figure.
One short line, doing three jobs, each of which changes what a quote means.
It is a ceiling, and the quote will not tell you how far it goes
On this wording £2,000 is the most the policy pays towards out-patient mental health treatment in a policy year — not a promise about how much treatment you can have. How far it reaches depends on what the people treating you charge, and we hold no price data for out-patient psychiatric care, so this page will not convert £2,000 into a number of appointments; anyone who does that without naming the prices they used has guessed. Take the figure to the quote instead: find the out-patient mental health line, check whether the number on yours is this one, and ask what happens if it runs out part-way through a course of treatment.
It is attached to a route in, not only to a diagnosis
The benefit as worded arrives "on GP referral to a psychiatric therapist or psychiatric specialist", which is two conditions wearing one coat. There has to be a GP referral, so booking yourself in with a private therapist directly is not the route the clause describes. And the referral has to be to a psychiatric therapist or a psychiatric specialist, which is narrower than the general word "therapy" that quote forms tend to use. Whether a particular practitioner, service or app counts as either of those is the question to put to Aviva before anything is booked — in writing, with the practitioner's title in it. We hold the clause, not Aviva's list of who it recognises. None of this is clinical guidance: it is about one sentence in a policy document and what it means for a claim.
What the clause does not say, and what we therefore will not
The row we hold is the out-patient row. It says nothing about mental health treatment as an in-patient or a day-patient, and we have not read those lines, so this page claims nothing about them either way. It also does not say whether the benefit comes as standard or is something you choose and pay for, and that status is exactly the sort of term that changes between issues of a document. So look for the line on your own quote, and if it is not there, ask whether it was left off or priced out.
Two questions nobody here has answered
Both come from holding two clauses side by side, and in both cases the right thing to do with the result is ask rather than publish. The excess clause says benefits are subject to the excess you have chosen; the mental health row caps a benefit at £2,000. What a £3,000 or £5,000 excess does to a £2,000 benefit line is not stated by either clause and is not something we have established, so the arithmetic you are doing in your head is a guess until Aviva confirms it. And the chronic-conditions exclusion below is written by characteristic rather than as a list of named conditions, so a mental health condition needing long-term monitoring may engage it. Which side of that line Aviva puts a situation on is Aviva's answer to give, before you buy, in writing.
Other insurers word their mental health limits differently, with different figures and sometimes a separate allowance of counselling sessions; the cross-insurer comparison, each clause quoted and sourced, is on Private health insurance: mental health cover.
Three more lines to find on the quote
The NHS cash benefit
If you end up treated on the NHS instead of claiming privately, the wording we hold pays a cash benefit of £100 a night for up to 30 nights (page 5). This is the line that interacts with an option: the six week option above removes it, so a quote carrying both is not carrying both, and it is worth checking which you have. The clause is quoted in full alongside the claims process on How to claim on private health insurance.
Chronic conditions
The wording we hold excludes chronic conditions outright, and defines one by its characteristics rather than by naming any: a disease, illness or injury that needs ongoing or long-term monitoring through consultations, examinations, check-ups or tests (page 3). That matters at the quote stage, because a definition written that way cannot be checked off against a list — the question is how Aviva applies it to your situation. If what prompted you to look for cover is something you expect to be seen about repeatedly, ask about that first. The exclusion is set out in full on How private health insurance works in the UK.
Treatment outside the UK
Short and absolute in the wording we hold: Aviva does not pay for treatment outside the UK (page 24). A quote under these terms is a quote for UK treatment, so if you spend part of the year abroad, this clause rather than the price decides whether the policy suits you. Whether any separate Aviva product handles travel or overseas care is outside the extract we hold. Private health insurance: international cover explains what that kind of cover is.
A checklist for the Aviva quote you get
The middle column is only what the April 2025 wording we read says; the right-hand column is what to settle before you pay anything.
| Line on the quote | What the wording we hold says | What to settle first |
|---|---|---|
| Excess | Six levels, £100 to £5,000, payable "for each member every policy year" (page 11) | The level, and that you have counted one excess per person, not one per policy |
| Six week option | No in-patient or day-patient claim where the NHS can treat within six weeks of the specialist's recommendation; removes the NHS cash benefit lines (page 11) | Whether it is on, and whether you are content for an NHS wait to decide a claim |
| Reduced out-patient limit | Choosing £500 or £1,000 also removes cover in every setting for complications of pregnancy and childbirth and for surgery on the teeth in hospital (page 8) | Which limit the price assumes, and what it removed as well as capped |
| Out-patient mental health | "Up to £2,000", "On GP referral to a psychiatric therapist or psychiatric specialist" (page 6) | That the line is on your quote, who counts as a psychiatric therapist, and how the excess applies |
| NHS cash benefit | £100 a night, up to 30 nights (page 5) | Whether an option elsewhere has removed it |
| Chronic conditions | Excluded; defined as needing ongoing or long-term monitoring, consultations, check-ups or tests (page 3) | How Aviva applies that to anything you are already seen about — in writing |
| Overseas treatment | Not paid for outside the UK (page 24) | Nothing to tick; know it is a UK policy |
| Medical history | No clause held | Which underwriting route the price assumes, and what it does to a condition you have |
| The premium | No data held, here or anywhere on this site | Get it in writing with the options above beside it, so you know what the number was for |
A quote with the right-hand column unanswered is not a bad quote, it is an unfinished one, and the answers cost nothing to ask for. "No clause held" means this site has not read that part of Aviva's terms, not that Aviva's terms are silent.
Common questions about an Aviva quote
How do I get an Aviva health insurance quote?
Two routes: directly from Aviva, or through a broker who prices Aviva alongside other insurers and brings the answers back together. Whether you searched for an Aviva medical quote, an Aviva health care quote or an Aviva private medical insurance quote, it is the same request — and what decides whether the answer is any use is which options it was priced with.
Can I get an Aviva quote without going through a broker?
Yes, and plenty of people should: Aviva quotes for its own cover, and if you know which options you want there is nothing a third party has to add. A broker is for when you want Aviva priced against other insurers, or the options talked through by somebody authorised to advise. We will not tell you which route comes back cheaper, because we hold no premium data and nobody can honestly promise that.
Can I get a WPA or Freedom Health Insurance quote from this page?
Not from this page — it is about Aviva, and every clause on it is Aviva's own wording. WPA and Freedom Health Insurance are separate insurers whose documents say their own things, and their terms should never be assumed from Aviva's. The broker this site introduces can quote more than one insurer in a single conversation, though not the whole market.
Does an Aviva quote include mental health cover?
The April 2025 wording we read has an out-patient mental health row of up to £2,000, available on GP referral to a psychiatric therapist or psychiatric specialist (page 6). The clause does not say whether that row is standard or something you add, and it says nothing about in-patient or day-patient mental health treatment, so find the line on your own quote and ask about the rest.
Why will this page not tell me what an Aviva policy costs?
Because we do not know. This site holds no premium data for Aviva or any other insurer, and a monthly figure invented for a financial product is the most harmful thing a page like this could publish — so there is not one here, and be wary of pages that have one. Aviva will give you a real figure for your own details, and so will a broker.
So: read the quote against the checklist, and get the "no clause held" rows answered by whoever is selling to you. If what you want is Aviva's figure with two or three others beside it, priced on the same excess and the same options so the comparison means something, the form on this page is the next step — a few details, and an FCA-authorised broker takes it from there.