About Aviva

Aviva is the country’s largest insurance company, with over 15 million customers in the UK, as well as 33 million more customers worldwide. It can trace its roots all the way back to 1696 – though its focus has never changed: helping people prepare for whatever life throws at them. As a composite insurer, Aviva offers lots of different insurance and savings products – including life insurance and critical illness cover.

Aviva critical illness policy features

If you buy critical illness cover through Aviva, your policy is likely to come with the following features:

Core benefit Receive your critical illness cover amount if you’re diagnosed with one of the serious illnesses or conditions listed in your policy. After this, your policy ends.
Additional benefit Receive a proportion of your critical illness cover amount if you’re diagnosed with one of the less serious illnesses or conditions listed in your policy. Your policy won’t end after claiming the additional benefit.
Child benefit Receive a proportion of your critical illness cover amount if your child is diagnosed with one of the children’s illnesses or conditions listed in your policy. Your policy won’t end after claiming the child benefit.
Total permanent disability benefit Claim your full critical illness cover amount if you’re diagnosed by a doctor has having become permanently disabled during your policy term.
Waiver of premium Don’t pay your monthly premiums if you’re off work for medical reasons. A minimum time off work usually applies.


Aviva critical illness extra policy benefits

Aviva critical illness policies often come with a number of extra benefits, outlined below. These features are ‘non-contractual’, meaning they’re not related to the contractual conditions of your own policy, and are often provided by a third party. Everyone is eligible for them – though they’re usually only made available if you buy your Aviva policy through an adviser.

Carer support This service, provided by Workplace Options, offers specialist support for carers, with a range of resources and services available to help cope with the challenges faced.
Get active Access to a range of gym discounts to suit your needs. Available with all Aviva life insurance products.
Mental health counselling Also provided by Workplace Options, this service provides face-to-face or phone-based counselling for you and your family.
Second opinion by Best Doctors® This service entitles you to a second medical opinion from a specialist if you receive a diagnosis. The outcome of the consultation is summarised in a report that can be shared with your GP.
Bupa Anytime HealthLine A 24/7 telephone support service offering advice from a nurse on specific medical conditions or general health and wellbeing.

Aviva critical illness cover prices

£25,000 level critical illness cover

Age/gender Cover Non-smoker Smoker
25 year old male or female Standard adult and standard child £6.85 £8.45
Upgraded adult and upgraded child £9.49 £11.98
35 year old male or female Standard adult and standard child £11.97 £16.67
Upgraded adult and upgraded child £17.35 £24.46
45 year old male or female Standard adult and standard child £23.63 £37.87
Upgraded adult and upgraded child £35.24 £56.46

£25,000 decreasing critical illness cover

Age/gender Cover Interest rate Non-smoker Smoker
25 year old male or female Standard adult and standard child 5% £5.00 £6.02
Upgraded adult and upgraded child 5% £7.28 £9.16
35 year old male or female Standard adult and standard child 5% £7.58 £10.89
Upgraded adult and upgraded child 5% £12.28 £17.73
45 year old male or female Standard adult and standard child 5% £14.62 £22.91
Upgraded adult and upgraded child 5% £24.74 £39.08

£50,000 level critical illness cover

Age/gender Cover Non-smoker Smoker
25 year old male or female Standard adult and standard child £11.39 £13.75
Upgraded adult and upgraded child £14.33 £17.69
35 year old male or female Standard adult and standard child £21.28 £30.57
Upgraded adult and upgraded child £27.30 £39.35
45 year old male or female Standard adult and standard child £44.34 £69.91
Upgraded adult and upgraded child £57.41 £90.83

£50,000 decreasing critical illness cover

Age/gender Cover Interest rate Non-smoker Smoker
25 year old male or female Standard adult and standard child 5% £7.84 £9.38
Upgraded adult and upgraded child 5% £10.43 £12.80
35 year old male or female Standard adult and standard child 5% £13.05 £19.19
Upgraded adult and upgraded child 5% £18.20 £26.73
45 year old male or female Standard adult and standard child 5% £25.87 £44.63
Upgraded adult and upgraded child 5% £36.93 £62.58

Standard adult and standard child cover: Aviva Life Insurance+
Upgraded adult and upgraded child cover: Aviva Life Insurance+ Upgraded
Quoted on 06/04/2020

It’s important to make an informed decision when buying life insurance and critical illness cover – which is where Anorak can help. We scan all the major insurers to match you to the products most suitable for you, based on your unique needs. We give you peace of mind about who to go with (especially if your most suitable policy is from an insurer you’ve not used before).

Good to know: Our recommendations are regulated, completely impartial – and free. And we also have a team of human advisers who can help over the phone, if you prefer.

This review is intended for informative purposes only and does not constitute advice.