I recently gave a bad review as they refused to pay for surgery to remove a foreign body due to an exclusion placed on my policy. The exclusion originally read ‘excludes all claims with respect to the digestive system’ and they refused my claim as the foreign body ingestion involved the digestive system... I have upgraded my review from 1 to 2 stars thanks to a competent complaints team.. I sent a formal complaint after they refused to pay and on investigation they admitted the original exclusion was too broad and incorrect .. if you’ve been refused payment due to an exclusion and you feel it’s incorrect I’d highly recommend writing a formal complaint - I would have never got my money back if I hadn’t and hopefully this review can help others..