Some claims are not paid out as you require a referral letter from your doctor. This is extremely difficult to get from a doctor as they are only seeing patients who require urgent attention. The whole point of private care is to be seen quicker than the NHS, so the system of being referred by a doctor before going private is useless at times. As a result, some benefits are being lost year on year. This is just madness. I can barely see a doctor never mind ask him to do a referral letter for holistic therapies. I know I am not the only person that feels like this. UK Healthcare need to update their policies or loose clients to other Healthcare providers.