This health insurance company is NOT to trusted , they want your money but when it comes to claiming especially if you are over 55 years old. They will think of every excuse to get out of paying your claims. I got my policy and one month later I broke my arm and with this the hospital did X-rays of chest area as when I fell over I had hurt that part of my body also . The hospital discovered a mass on my lung. After further investigation it was diagnosed that I had lung cancer. Before I broke my arm I felt fine and had No Idea of having Stage 3 lung cancer. When it came to claiming for this and all the investigations leading up to the stage of going to have Chemotherapy, they wouldn’t cover anything and wouldn’t cover my Radiation/ Chemo treatment either. They No Sympathy nor Empathy for my terminal illness. As I am not a rich person I need to survive and they issued me with a Death Sentence. I asked for refund on my policy to which they totally refused. A few months later I woke up with a very sore back I put up with it for a week but it wasn’t getting better. I had an MRI which the diagnosis was a cyst on lower part of my spine. The surgeon gave my cortisone injections into my spine as I was in so much pain I was unable to walk. I put in my claim for this and again they refused to pay me for my claim. This time I was furious . This company are simply just Corporate bloody Thieves. I’m nearly 60 and I have been forced to retire and I am not rich , hence the reason I took out health insurance coverage. Now I have not been Covered for anything and have paid quite a good deal of money for a Policy that means nothing. This company are a joke, an absolute disgrace, Don’t trust this company they are rude , unsympathetic with No Compassion. Absolutely a pack of Low Dogs.