Health insurance recommendations

[Rob_benton]

I expect they can all be difficult. No different to car insurance!!

[extrablatt]

Thanks for the info. Vitality is one I'm looking at. The concern I have is they have a lot of paperwork to go through for a claim and negative reviews. But I know most reviewer are the negative ones.

You're welcome. I used to have Vitality through an employer and found making a claim dead easy. They were really accommodating when I was changing jobs and needed to make a claim before my cover finished. I only paid for local (non-London hospitals) yet they let me see a surgeon at the rather exclusive Hospital of St John & Elizabeth when they couldn't get me into his other clinic in Reading before my coverage lapsed. (The lobby of that hospital was nicer than many hotels I've stayed in...)

I did go for moratorium underwriting so I couldn't make a claim on anything I'd previously received treatment for a period of two years. As my injuries were sport-related it wasn't an issue, but if someone has chronic conditions they may need to go for full underwriting but I believe it bars you from making any claims on pre-existing conditions.