This policy is through my company & they moved from Simplyhealth to UK Healthcare last year. Heard lots of staff complaining about making claims. This is the second claim I have made where they have asked for unreasonable additional evidence. The first was a dental accident. I submitted receipt but they asked for a report from the dentist. Wasn't worth the cost involved in me getting this so I didn't pursue. Second claim I was refereed to orthopaedic consultant by GP. Receipt from consultant confirmed referred by GP but they are asking for proof of referral! Surely if they are disputing validity of consultants receipt & statement they should pursue this. You are expected to jump through hoops to make a claim. I have now made a complaint. I hope my employers make the decision to swap back to Simplyhealth who have a no hassle quick turn around with claims.