I have to say I was sceptical when clicking on the advertisement, and then the phone ringing almost immediately.....I would suggest giving it a few hours would look more professional... However the sales consultant (Tahir Ahmed) is one of the best I have ever spoken to he, he took the time to understand my requirements, and came back with various options that he explained clearly, enabling me to make an informed decision.....EXCELLENT I won't hesitate to call Tahir in the future if I need additional insurance and have already recommended him to a friend who I know is looking for Health Insurance..