General & Medical Reviews

I have held a policy with General and Medical for the last 4 years, in the last year I have used the policy a number of times for various different health issues. The service has been brilliant especially the claims team who have always been available to guide me through the process each time. During a worrying time for me General and Medical really have been excellent!

Pointless - they have had almost £1000 from me in last months and I have been waiting FIVE months for healthcare for my daughter -she would have been seen already on the NHS so this has been a real wast of money for my family. It’s been a terrible saga I have asked for a full refund and to cancel my monthly payments but no one has replied.... I am so stressed and now so out of pocket - I just hope they are decent enough to refund me so I can actually now get my 5 year old daughter the private and now very urgent health care she needs after this terrible wait.

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.

Just joined this healthcare insurance, we have received the documents today but unfortunately once we tried to login we experienced problems. I joined the chat available on the website and this gentlemen, Michael Sherman has been so helpful and kind, he actually helped us solving the login issue!! So, great experience so far. Thanks

Difficult to review an insurance policy without having claimed. Price was good. Digital portal for managing the policy needs some work, but apart from that okay.

Good service, however I when wanted to amend my policy several months into its annual term (thereby reducing the monthly costs) I was advised that I couldn't do this until the policy was due for renewal. Requested that the policy therefore be terminated and that I'd move to a cheaper supplier. Suddenly, I was advised that the policy could be amended - why put the customer through this unnecessary turmoil?

Waiting time: Good (5 minutes)

General and medical were one of the first to help support my charity mission and were the first to sponsor my Original team sementa kit, the idea was to raise £500 over 5 games in memory of my mum who passed away but has now turned into 94 games and close to £20,000 I really appreciate their faith and support. Also everyone I have dealt with especially Michael Sherman and Misha Griffin have been really nice and helpful

Not had to make a claim yet so cannot give 5 stars but what attracted me was they cover existing conditions, for me it’s diabetes, unlike the bigger firms (Bupa were just rude about it) Being insurance I googled good questions to ask so, whilst not perfect, I know what I can and can’t get from my cover. Tom was good enough to even call me back later on as I had to go to work. I’m glad I spoke to them, comparison sites are fine if you just want to look at the cheapest offer but you buy blind and I made that mistake before.

I can't believe that you have to put a letter in to get a decision about your health. Then it takes 5 days for them to think about it - ridiculous! Wasn't advised about that when I took out the policy

My family and I have been on cover for just over five years and we have made a few claims on our policy. I had to supply them with a referal letter from my doctor which I thought would take ages at first, but I had my acceptance back a few days later, booked in for treatment and General & Medical handled the rest. Highly recommend!

THANK YOU FOR THIS BIG CARE

I called to get approval for my wife's back and was told that it couldn't be done, then after an argument of about 10 min they said they would accept a letter from the doctor, however nothing could be done until you had received her records, this is not the delay tactic you need when you have a painful back. I thought I paid over £4k for the top tear of cover so this did not happen. I am looking to move to BUPA who have been very good in the past.

Never used the service as of yet so just pay monthly.

I have been on cover for 4 years now and have made 2 claims, both times I have spoken to my dedicated client relations coordinator and have had approval promptly. It has been a very simple process and cannot recommend them highly enough to anyone looking for healthcare insurance.

Five star review I completed a quote on line for healthcare for myself and my family. There were a few areas that I wasn’t sure about and rang their number to discuss in further detail. Great service from the person I spoke to on the phone, they found my details really quickly and ran through the different types of underwriting, keep it really simple. Very helpful and reassuring

I received an email thanking for my purchase, which I had not made. I requested more info but email was ignored, so still none the wiser !!!

I can’t really review the full end to end of the insurance policy at this stage as I have not made a claim. I can however explain that In terms of cost and what is included in your policy at that price General and Medical are at the top end of the market. What is clear from the below reviews is that General and Medical need to listen to feedback and re-evaluate their claims procedures, reduce bureaucracy and stream line the process to ensure claims are dealt with at a standard comparable to the rest of the industry. Again I’m only going from what I’m reading from the verified reviews.

My first claim for cancer treatment and have been told the 2 day's before treatment starts that they will only be paying 75% of the cost. Unacceptable having had all the details months previously!!