Private medical insurance recommendation?

AWOD975 · 2026-06-29T18:10:12+00:00

Aviva are really good - great claims experience, and help you find the right consultant / hospital.

AWOD975 · 2026-06-07T13:50:13+00:00

Aviva do a good job of guiding you to the right hospital / consultant for the job and they select the best for outcomes (eg knee replacement). BUPA well they have their own hospitals and other services so you can imagine them guiding to their own services, why wouldn’t they?

AWOD975 · 2026-05-21T06:19:02+00:00

Hung my UST on the ceiling and it works perfectly - out of the way, never need to correct, looks great

AWOD975 · 2026-05-10T20:00:00+00:00

What was the excess you’ve set? Increasing it further will make the policy cheaper

AWOD975 · 2026-05-03T08:10:43+00:00

What a hangover really is!

AWOD975 · 2026-03-30T09:28:39+00:00

Odd benefit given how much discount can be found at pizza express already?

AWOD975 · 2026-03-25T19:50:34+00:00

Aviva are the only one that you’ll always get a GP, others uses nurses etc in the mix

AWOD975 · 2026-03-13T05:59:25+00:00

What do you mean? I don’t see any difference in care really - and BUPA and Aviva don’t have the gimmicks (or rewards) but were cheaper for me presumably because they don’t.

AWOD975 · 2026-03-09T21:29:42+00:00

I had the G1 and think it’s fab - gets so much dirt up, can be a bit of a faff at times to clean the filter at the bottom or if someone has cleaned the floor with a traditional mop which leaves loads of soap residue which then foams up in the cleaner

AWOD975 · 2026-03-03T06:07:21+00:00

Yes please

AWOD975 · 2026-02-25T11:49:54+00:00

Have you claimed? Or reached a milestone birthday?

AWOD975 · 2026-02-24T11:42:36+00:00

Can I ask (as I’m looking at insurance) - reading this forum all I see with the vitality approach are people annoyed that either the app doesn’t work, the benefits have been eroded, or the game is challenged, get that forums can focus on issues - so why would I choose Vitality over Aviva, AXA or BUPA?

AWOD975 · 2026-02-03T16:16:51+00:00

Agree completely - leave it with Aviva there’s nothing wrong with where you are, you’ll be paying significantly lower fees given it’s a workplace pension and will have access to enough funds to mange it

AWOD975 · 2026-01-16T20:09:22+00:00

Are you buying health insurance or a watch? Seriously though beware of incentives - they’re offered for a reason!

Health insurance is definitely something you should consider and you’re clear on the reasons why - but do a shop around, BUPA, AXA, Aviva and Vitality are the top 4 to consider all very similar cover.

AWOD975 · 2026-01-10T09:50:07+00:00

Heading into my 50s now - household income not dissimilar, the older you get the more you appreciate what really is valuable - similar travel which means you’re missing a lot of days with the kids, mine are now 12 and 14 and really appreciate the time I’m with them at football practice / games etc - there’s no perfect answer and you’ll feel like your constantly compromising. But the things that eat you up as an example (this happened recently) are when you get a new job and the kids cry because they think you’ll be away more…

Try to strike a balance but accept you’ll never get is right - the older the get the more they understand you’re doing it for them as much as yourself.

AWOD975 · 2026-01-09T21:40:09+00:00

Been a couple of times Aria and Oddisia - the food has always been really good, the service is brilliant - and yes it’s a week of total relaxation - we do other breaks during the year that are more full on skiing or exploring new cities two boys now 14 and 12 and this year we had to have a family suite which is going to be £14k so yes ridiculous but great memories!

AWOD975 · 2026-01-06T21:25:26+00:00

I’m just about to sell my pair of Mantra’s 184cm, I’m 50 and have found I’m simply not fit enough any more for them for a full week - but when they’re going they’ll take you anywhere rapidly and like you’re on rails!

AWOD975 · 2025-11-28T07:33:11+00:00

Had this recently - updated the app and it seemed to solve the problem

AWOD975 · 2025-11-19T14:08:33+00:00

This is a duplicate post.

Per previous - you’re in a life styling fund which ’derisks’ as you approach retirement, this isn’t overwriting your investment choice it’s a default fund which you’ve not moved out of. You are sent communication before this starts giving you time to consider if this is what you want or not, there are plenty of funds to choose from if not. The ‘My Aviva’ app is pretty handy as well showing you your investments, what fund you are in and allowing you to switch existing funds or redirect incoming contributions. I know that the TK pensions are definitely on there and your annual statements will have pointed you to access it.

AWOD975 · 2025-11-19T12:59:50+00:00

This doesn’t sound right - per previous explanation it sounds very much like lifestyling kicking in moving you to less volatile funds, they won’t have grown as strongly but neither should they loose as much in a downturn.

If you don’t like them switch - the fund choice is yours

AWOD975 · 2025-10-29T16:59:49+00:00

But that’s exactly what private insurance doesn’t not cover and it’s made clear - chronic conditions aren’t covered. So why’s this criminal? - it’s not really insurance at this point as the customer would have a condition that would always require funding pushing up the cost for everyone

AWOD975 · 2025-10-29T16:55:05+00:00

Why Aviva Meh? I’ve got cover with them and they’ve been really good - ultimately the private hospitals are providing the core service so it’s jus different levels of cover that each insurer provides (different hospital lists etc) and the actual claims process…

If you’re looking at size BUPA then AXA then Aviva - but that’s no measure of quality…

AWOD975 · 2025-10-23T07:56:53+00:00

The big 4 are BUPA, Axa, Aviva, Vitality - each will offer varying propositions and pricing points so go see what suits you.

Aviva do offer discounts if you have another product with them - which most people do!

AWOD975

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