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Aviva

Aviva plc

88.6Score

★★★★☆4.3

Customer satisfaction · 18.0M members

Defaqto: 5 Stars(2026)MyTribe: #5 Ranked (79.8%)(2026)Trustpilot: 4.3/5(2026)

Aviva is the largest general insurer in the UK across all product lines with 18+ million customers. It offers more ways to reduce your PMI premium than any other UK health insurer, has no maximum joining age, and holds a Defaqto 5-star rating, though it is the most expensive major option for individual PMI.

Overall Score

88.6/100

Founded

2000

Headquarters

London

Type

private

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Key Metrics

Defaqto Rating

5 stars

Monthly Premium

From ~GBP 82/month (age 30)

My Tribe Score

79.8% (#5)

Max Joining Age

No maximum

Editorial Ratings

Defaqto: 5 Stars(2026)

Rating: 5 stars (Healthier Solutions) (max: 5 stars)

100Defaqto

MyTribe: #5 Ranked (79.8%)(2026)

Rating: 79.8% — #5 ranked (max: 100%)

79.8MyTribe

Trustpilot: 4.3/5(2026)

Rating: 4.3/5 (59,551 reviews) (max: 5/5)

86Trustpilot

Coverage Highlights

✓More ways to reduce your premium than any other UK health insurer
✓No maximum joining age — good for older applicants
✓Multi-product convenience (bundle with other Aviva insurance)
✓Defaqto 5-star rated (Healthier Solutions)
✓UK's largest general insurer with strong financial backing

Pros

✓Most premium-reduction options of any insurer
✓No maximum joining age — good for older applicants
✓Multi-product convenience (bundle with other Aviva insurance)
✓Strong financial backing as UK's largest insurer

Cons

✗Most expensive major health insurer for individual PMI
✗Claims over GBP 250 drop no-claims discount by three levels
✗Ease of claim and speed of settlement ranked near bottom (Which?)
✗Entered PMI market later than specialist providers

Frequently Asked Questions

Is Aviva the most expensive UK health insurer?

Aviva tends to be the most expensive among major UK health insurers for individual PMI, starting at approximately GBP 82.38/month for a 30-year-old. However, it offers more ways to reduce your premium than any other insurer.

Is there a maximum age to join Aviva health insurance?

No. Aviva has no maximum joining age, making it a good option for older applicants who may be refused by other providers.

Can I bundle Aviva health insurance with other products?

Yes. As the UK's largest general insurer, Aviva offers multi-product convenience — you can bundle health insurance with home, car, life, and pension products through a single Aviva app.

Quick Summary

InsurerAviva

Country🇬🇧 United Kingdom

Overall Score88.6/100

Satisfaction4.3/5

Members18.0M

Typeprivate

Founded2000

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