Mostly good, claims process could be more straightforward, it would be nice to be able to log in and see at a glance remaining entitlement to claim in a given year. Communication with customers service is always polite and pleasant, in my 3 years with UK healthcare they have always been nice people. Communication response time has been noticeabley slower to email in the past 6 months and this may be due to a staff shortage or similar, it would be good to know so that customers are aware of realistic waiting times. I am currently waiting 12 days for a response to an email and two weeks for a response to a sent claim (whether it's a yes or a no to that claim I don't know either way). Overall UK healthcare cashplans are good and value for money. If the online process was more modern and the response time was quicker I'd happily give 5 stars.