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Aviva Insurance


AVIVA recently stopped operations in the Middle East and have transferred their portfolio over to Aetna. This will be effective May 2018 and any existing policies renewing after that date will be offered an Aetna plan on renewal.

Aviva is a leading provider of life and general insurance in Europe, and the largest insurer in the UK. With a heritage of 300 years, it caters to 31 million people worldwide, and therefore is a highly established and well-known brand.

In the UAE, Aviva has partnered with Emirates Insurance Company, established in Abu Dhabi in 1982.  Emirates Insurance company is the fourth largest insurance company in the UAE, with a staff of 250 employees across 30 offices in the region.

Our Verdict
A Closer Look
Customer Reviews

The Pros

> Leading insurance company in the UK
> Well established and widely recognised brand
> Direct billing with all UK hospitals and clinics
> Plans offer rich benefits
> High maternity ($16,000 USD) cover as a standard offering
> Excellent track record of customer service
> Optical cover included on all plans as standard

The Cons

> New in the UAE market
> Increased their rates twice within the first year
> Still figuring out the market prices and so renewal pricing is volatile and has consistently been over inflation
> Modular plans don’t offer flexibility
> No ability to move to a lower network or add any deductibles or co-insurances
> No mobile app for claims submission
Which hospitals, clinics and pharmacies can I have access to if I am insured with Aviva?
Please refer to the network list in the additional resources section below.
How long does it take for a claim to be processed?

Claims are generally paid within 10-15 working days however this is subject to the type of claim and accuracy of documents submitted.

Can I submit a claim online?

Learn how to submit a claim with 4 easy steps. Please click here.

Can I review the status of my claim online? What are the other ways to follow up?

Yes, you can view the status of your claim once you log into your account.

Alternatively, you can call +44 2380 371944 or email international.sales@Aviva.co.uk.



Our first choice

As a UK parented org., we opted for Aviva immediately. It's great to work with a company we know.

There have been a few hiccups - but these are always ironed out.

We can tell Aviva intend to take a massive slice of the UAE market by their approach.

We look forward to this meaning the flexibility of their plans and the stability of pricing improves.

Expert Assessment of Aviva Insurance

Whilst still relatively new to the UAE market, Aviva is extremely well known as an established brand in the UK. This has enabled them to carry over their experience and customer service to the UAE. They offer a high-level individual product with a basic module, and 3 other modules that can be added on to the basic (Gulf Solution 1 plan).

As they are still in the growth phase, the plans need to adapt to the market demand. We’re looking forward to Aviva offering options for co-insurance, deductibles, along with different levels of dental care. Currently, these plans are fixed and therefore cannot be customised to reduce the cost for our clients.

Aviva medical insurance is a great option for UK expats, as they offer full direct billing in the UK.

If you are a business owner or HR professional in the UAE, you’re looking to save money on your employee benefits package and reduce your company medical insurance costs, we will review your current plans and related expenses. Please contact us or call us on +971 (0) 4559 4900.

At AES, we focus on providing long-term solutions, tailored to an individual organisation’s needs, to help you improve overall employee wellness, drive up productivity and engagement, and enable you to manage your corporate medical insurance spend year on year.

Start looking after your employees' well-being today. 

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