General & Medical
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It’s all in the small print
It apparently wasn’t possible to see their detailed policy document including small-print before initiating the PMI policy - which is clearly totally unacceptable - since the small-print is all important when considering a policy which is cheaper than its well established competitors. I therefore set-up the policy with a view to cancelling it during the cooling-off period if I wasn’t happy with the small-print. A couple of days later, once access to the policy document had been granted and I’d reviewed the exclusions in the small-print, I wasn’t happy with it and so I emailed the General & Medical (and the agent who I had used) in order to cancel the policy and associated direct debit. My main concerns (as someone with very many years experience of private medical insurance as a provider of private medical care to insured patients) were: They don’t cover age-related conditions - and so I would be st risk of refusal if I tried to make a claim for something like a benign prostate problem. This exclusion begs the question as to why on earth the policy would costs more for older people. Secondly they don’t cover for problems which following an accident. So if you trip and twist your ankle and have ongoing problems and want to see a specialist - I’m afraid they’ll have wriggle room. Finally the policy I went for had full cancer cover but looking at the small-print this only applies if the treatment is curative - so if the treatment provided a less than 50% chance of cure then it will presumably be turned down. I’m afraid I stopped reading at that point and there may we’ll be more reasons not to go with this policy. The final straw – and the main reason I decided to bother to submit this honest review – was that despite me emailing them and asking them to cancel the direct debit - a couple of days later they set up the DD with my bank and I had to cancel it via my bank before any payments were taken. My advice: (1) don’t buy this policy, (2) if the agent you are using can’t give you a copy of the small print of a policy they are ‘selling’ then find another agent.