Aviva Smart Health (2026): What It Is, What’s Included & How It Works
Aviva Smart Health is a digital health service bundled with many Aviva policies — 24/7 digital GP, mental health support, second medical opinions and more. Here’s what’s included, who gets it, and how it differs from Aviva DigiCare+.
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Quick Answer
Aviva Smart Health is a value-added digital health and wellbeing service included with many Aviva insurance policies, provided by Teladoc Health. It gives members 24/7 access to a digital GP, mental health support, a second medical opinion service (with a personal GP case manager), nutrition advice and health checks — usable from day one, without making a claim. It’s available to the policyholder and family, typically including children up to age 21.
Note that Aviva also runs a similar app called DigiCare+ (provided by Square Health) for its current protection customers — which service you have depends on your policy, and your policy pack will tell you. Both deliver comparable everyday health benefits.
What this guide covers
Modern health cover is increasingly about everyday wellbeing, not just paying out when you’re ill — and Aviva Smart Health is Aviva’s version of that. This independent 2026 guide explains exactly what it offers, who’s eligible, and how it compares. Going Private UK is editorially independent and not affiliated with Aviva or Teladoc Health; we may earn commission when readers compare cover through our links, which funds our research but doesn’t affect our advice.
What is Aviva Smart Health?
Aviva Smart Health is a digital health and wellbeing app and service provided to eligible Aviva customers by Teladoc Health (a global virtual-care company). Rather than being insurance itself, it’s a suite of value-added benefits bundled with the policy — designed to help you stay well and get fast advice, available from day one and without counting as a claim. It’s attached to select Aviva life, critical illness and income protection policies; your policy documentation confirms whether you have it.
What’s included in Aviva Smart Health?
- Digital GP — 24/7 access to a private GP by phone or video, often within hours.
- Mental health support — sessions with qualified therapists and counsellors.
- Second medical opinion — a world-leading specialist reviews your diagnosis/treatment, coordinated by your own GP case manager (access to 50,000+ specialists).
- Nutrition support — consultations with nutritionists.
- Health checks & fitness — health assessments and lifestyle/fitness support.
- Family cover — benefits typically shareable with a partner and children up to age 21.
The 24/7 digital GP
The most-used feature by far is the digital GP — unlimited, round-the-clock access to a private GP by phone or video, usually available the same day and often within hours. It’s ideal for the everyday issues that are hard to get a quick NHS appointment for, and a GP can issue private prescriptions and provide advice or onward referral. This mirrors what rivals offer — see AXA Doctor at Hand and Bupa’s private GP service — and you can compare them all in our private GP apps guide.
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The second medical opinion service
One of Smart Health’s most valuable features is the second medical opinion. If you’re diagnosed with a condition, you can have a world-leading specialist review your diagnosis and treatment plan for reassurance. You’re assigned a personal GP case manager who takes your notes, arranges the expert review, and acts as the go-between with the specialist — then helps you review the report (which you can share with your treating doctor, whether you’re being treated privately or on the NHS). It’s available for your partner and children up to age 21 too.
Who gets it & how to access it
- Eligibility: included with select Aviva life, critical illness and income protection policies (and bundled health/protection cover). Your policy pack confirms whether you have Smart Health.
- Cost: generally included at no extra cost as a value-added benefit (some specific services, like certain health checks, may carry a charge).
- Access: register through the Smart Health app or website as soon as your policy is active — you don’t need to be unwell or make a claim to use it.
- Family: benefits are typically shareable with your partner and children up to age 21.
Aviva Smart Health vs Aviva DigiCare+
This causes a lot of confusion, so to be clear: Aviva runs two similar digital health apps, and which one you have depends on your policy.
| Aviva Smart Health | Aviva DigiCare+ | |
|---|---|---|
| Provided by | Teladoc Health | Square Health |
| Typically on | Select / legacy Aviva protection policies | Current Aviva protection & eligible cover |
| Digital GP | 24/7 | 24/7, unlimited (from Jan 2026) |
| 2nd opinion | ✅ | ✅ (2 per year) |
| Mental health / nutrition | ✅ | ✅ (8 sessions each) |
| Extras | Health checks, fitness | Personal training; health check £39.95 |
💡 Which one do I have?
Check your policy pack — it states whether you have Smart Health or DigiCare+. As a rough guide, Smart Health is associated with select/legacy protection policies (provided by Teladoc), while DigiCare+ (Square Health) is the app for Aviva’s current protection range. The everyday benefits — digital GP, mental health, second opinion, nutrition — are broadly comparable. From 29 January 2026, DigiCare+ made its digital GP unlimited and 24/7, increased wellbeing sessions to eight per year, added personal training, and introduced a £39.95 charge for the annual health check.
Is Aviva Smart Health worth using?
If it’s included with your policy, absolutely — it’s free to use and genuinely useful. The 24/7 digital GP alone can save you the frustration of chasing NHS appointments, and the second medical opinion service is valuable reassurance if you ever face a serious diagnosis. Because you don’t need to claim to use it, there’s no downside to registering.
As with rivals’ services, it shouldn’t be the only reason you pick Aviva — the core insurance (what’s covered, hospital list, limits, price) matters more. Compare the whole package, not just the app.
See Aviva health insurance reviews, the Aviva hospital list, and how Aviva compares in Bupa vs Aviva. For other insurers’ GP/wellbeing services, see health insurance with private GP access.
The bottom line
Aviva Smart Health is a strong value-added service — 24/7 digital GP, mental health support, nutrition and a genuinely useful second medical opinion service, included with many Aviva policies and free to use from day one. If you have it, register and use it; if you’re comparing cover, treat it as a nice bonus rather than the deciding factor.
Want the best GP and wellbeing benefits for your situation? Compare the UK’s top insurers free here, or get impartial broker advice.
Frequently Asked Questions
What is Aviva Smart Health?
It’s a digital health and wellbeing service provided to eligible Aviva customers by Teladoc Health, bundled with many policies. It includes a 24/7 digital GP, mental health support, a second medical opinion service, nutrition advice and health checks — usable from day one without making a claim.
Is Aviva Smart Health free?
It’s generally included at no extra cost as a value-added benefit on eligible Aviva policies, and you don’t need to make a claim to use it. Some specific services (such as certain health checks) may carry a charge — check your policy details.
What’s the difference between Aviva Smart Health and DigiCare+?
They’re two similar Aviva digital health apps: Smart Health is provided by Teladoc Health (on select/legacy protection policies), while DigiCare+ is provided by Square Health (on current Aviva protection cover). Both offer a digital GP, mental health support, second opinions and nutrition. Your policy pack states which one you have.
Does Aviva Smart Health include a GP?
Yes — a 24/7 digital GP service is the core feature, with phone or video appointments usually available the same day, often within hours. A GP can give advice, issue private prescriptions and arrange onward referral.
Can my family use Aviva Smart Health?
Yes — the benefits are typically shareable with your partner and children, usually up to age 21. Check your specific policy for exact eligibility.
How do I access Aviva Smart Health?
Register through the Smart Health app or website as soon as your policy is active — you don’t need to wait until you’re unwell. Your policy documents confirm your eligibility and how to sign up.
Related guides
- AXA Doctor at Hand & Bupa private GP (compare insurers’ GP services)
- Private GP apps compared & health insurance with private GP access
- Aviva health insurance reviews, Aviva hospital list & how to claim on Aviva
- Bupa vs Aviva & what a broker does
- Aviva — Smart Health & DigiCare+ service pages (features, providers Teladoc Health & Square Health, eligibility); Aviva plc newsroom (DigiCare+ 2026 changes, effective 29 January 2026)
- Going Private UK independent editorial research (2026)
⚠️ Important Disclaimer & Editorial Independence
Going Private UK is an independent editorial site. We are not Aviva, Teladoc Health, Square Health or an insurer, and are not affiliated with them. Names and trademarks belong to their respective owners, used for descriptive purposes only. This guide is general information and is not medical advice.
Service features, providers, eligibility, session allowances and charges change over time and vary by policy — always confirm what’s included with your own Aviva policy documents and the Smart Health/DigiCare+ app. These are non-contractual value-added benefits that Aviva can change or withdraw. The digital GP and related services are for non-urgent care; for emergencies call 999 or NHS 111.
Commercial relationships: Going Private UK may receive commission when readers compare health insurance through our links — this funds independent research but does not affect our analysis.
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