Took the spire cover 2 years ago, did not claim anything during the first 12 months, the rate was still competitive after the first renewal, took a number of claims on year 2 with constant struggle once you go pass the initial consultation, healix handles the claims and the process is extremely stressful specially when you have to go outside spire (when treatments are not available at Spire). Policy covers spire hospital fees but many shortfalls related to surgeons, consultants, local anaesthetic, etc. The authorisation process is too long as the senior nurses keep questioning the consultants recommendations. The fee also jumped by 40% this year and I am stuck with it as I am unable to switch to different provider due to existing case.