General & Medical  Reviews 

Stay away! It's all fine as long as you pay your premium but when you need to make a claim, there seem to always be reasons for them not being able to help you. They put it down to my level of cover, but they never once offered me an upgrade more suited to my needs. Also, the "Senior Client Relations Coordinator" takes days to reply to your emails with zero empathy and zero sense of urgency whilst you are in pain and need treatment! Save your money

My needs were met promptly, professionally and politely.

Straight forward process
Staff very helpful and not pushy

Could not have asked for a better provider for my healthcare, made my first claim on the policy and no hold ups or delays like I’ve had with other insurers in the past. Thank you for the quick responses and your straight forward manner.

Very fast to respond and very professional

prompt response and action -also you were haapy to deal with my partner as I wasnt well enough initially to be able to handle

The speed of response and the expertise of Kelly, their client relation coordinator, together with her proactive thoughtfulness makes dealing with this company unusually pleasant. This a rare experience for dealing with a company in the sector which is frequently hamstrung by technical issues and unintelligible underwriting criteria.
Well done General & Medical - and, of course, Kelly!

Awful, constant chasing and delays but the worst is they land you with a bill after 4 months of no contact saying that the hospital you chose from their approved list is only 75% contribution!!!
Absolutely no explicit written or verbal communication before or during treatment regarding potential payment for your hospital choice...just a bill at the end.
Murky processes, unclear & insufficient information....absolute disgrace.
If you experience the same, please write a review to warn others and complain.
The FCA is clear on this topic so please refer to their 6 customer outcomes in particular
Outcome 3: Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale.
If you don't get any joy with the Company then complain to the Ombudsmen; it may be the only way to force these companies to improve and to do the right thing.

Michael Sherman was great in applying the discount for me and confirming my application by email. Everything was effortless !

I have been a member for 2 years and recently needed to use the insurance for a small surgery. The claims team were great and the process was simple and easy. I am now recovering well. Thank you to General and Medical as I would have been waiting 12 months on the the NHS.

I have found Ms Kelly Austin to be prompt, pleasant and courteous and I am very pleased with the service provided.

Really happy with this company. I made a claim for my ACL injury and it was authorised quickly for consultations and then surgery - I was updated throughout the process and it was hassle free.

My company have been with general & medical for eight years, I needed to make a claim this week for a serious condition. The lady that helped me couldn’t have been kinder.
Every year my premium have been reasonable and affordable and the service has been well above standard, I would recommend this company for health insurance.

I have a health insurance policy with General and Medical Healthcare, and have been a satisfied customer, since. I had some health issues that were promptly dealt with.
I have today dealt with Michael and Tom and have taken policies for my husband and my son.
The process was straightforward and easy over the phone.
I highly recommend the team, and the policies cover a range of illness.

I have just taken Medicare insurance with General & Medical Healthcare and couldn’t be more happier. Customer Service was excellent, they asked the right questions to establish the right plan for myself, they were happy to go through the plans in great detail and answer any questions I had and provide honest answers which was a breath of fresh air. Sometimes I find when I am enquiring about these kind of things companies just say things to get you to sign up, I did not find that with General & Medical Healthcare. There monthly charges I found were lower than others & I liked the fact that some of the plans cover pre existing conditions. The process was very straight forward and fast. Their website is user friendly and easy to navigate and very clear and precise on what plans they can offer. Good customer experience, I would recommend them to anyone

The General & Medical website was very useful for assessing the best comparative medical insurance benefits and costs. Having decided on the preferred level of cover a follow up telephone discussion with Tom was extremely helpful in clarifying any outstanding questions about the cover. Overall a good experience in dealing with General & Medical Insurance.
Paul H

Just got my renewal through, really happy the premium hasn’t changed much and I have used the policy recently to make a claim. Everything was straight forward and was talked through the whole process.

It is interesting seeing the amount of good reviews for General & Medical Healthcare, this could be due to their monthly charges being much lower than other such companies.

However my recent experience with this company has not been good.

On contacting General & Medical re a claim one is told that one will hear back from them within 48 hours. Should their underwriters not accept one's claim, from my experience General & Medical will refuse to reconsider not allowing further discussion while not accepting of any new facts re such a claim. They shut the door!

Be warned....even when General & Medical have agreed to pay for a doctor's consultation...should that doctor send you to another doctor....General & Medical will want to see that referral and may or may not pay for that referral...Here's the kicker.....should that second doctor refer you back to the first doctor...General & Medical will want to see yet another written referral...it goes on and on....

As for the friendliness and putting one at ease...forget it....I have picked up a hard nose business practice in their manner, possibly with the exception of one person who seemed a little kinder...just one!

The point is...you get what you pay for....as another General & Medical customers said to me..."You're not paying much and they will do everything to make it difficult for you to make a claim"

Reading through these reviews one sees a pattern. The reviewers who criticize all seem to repeat the same criticisms...while General & Medical's innocuous, polite, political responses have not changed their behaviour to their customers...are they not listening or do they not care as there seems to be no change.

I believe that their customer service and mode of operating is not good when it comes to people feeling sick, in pain and vulnerable.

PLEASE BE WARNED YOU WILL BE LIABLE FOR THE SURGEON FEE IF IT IS OVER £2233 !
my surgeon charged £4000 for the operation ( this was NOT a central London hospital fee ) YOU WILL BE LIABLE FOR YOUR SURGEON’S FEE IF IT IS OVER £2233 - please refer below to extract from policy :
Therefore the amount of £1,767 would be shortfalled to you to settle as the heart surgeon has charged over the reasonable and customary fee of £2233.

TRULY AWFUL - AVOID THIS INSURANCE COMPANY - NIGHTMARE EXPERIENCE WHEN MAKING A CLAIM

DELAYED AUTHORISING HOSPITAL SURGERY FOR 2 MONTHS - FINALLY ADVISED 1 HOUR BEFORE ADMISSION !!!

SERIOUS DATA BREACH : REVEALED PERSONAL MEDICAL DETAILS OF ANOTHER CUSTOMER !!

MANY POLICY LOOPHOLES / CAVEATS & OBSTACLES WHEN IT COMES TO MAKING VARIOUS ASPECTS OF CLAIM - VAGUE ABOUT DEFINITIONS OF BENEFIT RESTRICTIONS - MAKE NO ATTEMPT TO OFFER HELP WITH BENEFITS

EXAMPLE :
REFUSE TO PAY CRITICAL PAYMENT OF £2000 FOR HEART SURGERY UNLESS SPECIFIC HEART VALVE !!!!

VERY SLOW TO AUTHORISE A CLAIM CAUSING ENORMOUS STRESS PARTICULARLY WHEN YOU CAN LEAST AFFORD TO COPE WITH THE STRESS AWAITING SURGERY - EXTREMELY POOR ADMINISTRATION ON SUCH A CRITICALLY IMPORTANT OCCASION

IF YOU WANT PEACE OF MIND I WOULD HAVE AVOIDED THIS PMI COMPANY

I deeply regret having to convey an overall VERY POOR experience with this PMI company after many incidents of too many POLICY LOOPHOLES and caveats leading them to avoid paying claims or paying half
of the invoices already paid upfront

they were quick to quote policy “ get out “ clauses but slow to advise the customer of benefits in advance

exposed private medical data and the personal details of another customer

This insurer appears to be the only one that does not recognise heart surgery as a critical illness unless specific heart valve

SUMMARY - if you want peace of mind when buying PMI it is best AVOID this small company and buy from the larger insurers