Aviva Healthier Solutions
Modular PMI from a household-name UK insurer
Aviva's Healthier Solutions plan is one of the most widely sold private medical insurance products in the UK broker market. It uses a modular structure — brokers and clients choose the core cover, then layer in optional extras like therapies, mental health, dental and optical. Aviva is known for its flexibility on underwriting, its Digital GP service, and a well-defined six-week NHS option that can meaningfully reduce premium.
Strengths
- • Flexible modular plan design — easy to right-size cover to budget
- • Six-week NHS option available across most modules
- • Digital GP video consultations included
- • Strong claims infrastructure and broker support
Watchouts
- • Mental health cover is an optional module, not included by default
- • Outpatient limits vary significantly by chosen module
- • Some specialist therapies require pre-authorisation
Best for
Brokers placing employees or individuals who want a recognised brand with the ability to tune cover and price via modules.
Underwriting
Available on full medical underwriting, moratorium, or continued personal medical exclusions (CPME) when switching from another insurer.
Hospital network
Three hospital lists — Key, Signature and Extended — giving brokers a clear lever to manage premium against London teaching hospital access.
Comparisons
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Request a demoLast updated 18 May 2026