I took out the premium service to cover my self and my family. In the last three months I have attempted to make three claims. They did not cover my son's vaccines, nor the doctors appointment. They referred to the policy that my partner is not covered for pregnancies, nor anything around her being pregnant. Now this last claim was for Physiotherapy, which I apparently have 10 sessions and because I told the doctor that I had some injury 2-3 years ago playing rugby, totally not anything to do with the existing condition, they have claimed I have even with a doctors note to say that was not the case. Absolutely ridiculous. They don't have a Premium policy. It's junk.