Yes, you need a referral from a GP to claim.
If you see your GP or have a video consultation with one via the Aviva Digital GP app, and they want you to see a specialist, tell them you've got private health insurance with us.
They’ll then either give you an open referral or a named referral. If you ask for an open referral, we can help you find a hospital and specialist that's covered by your policy. If you’ve chosen our Expert Select hospital option, you’ll always need to ask for an open referral.
Remember to start a claim with us before you have any tests or treatment, so you know if they’re covered or not.
Discover more about making a health insurance claim.