This is the second private health insurer I used and all they seemed to be concerned with is to find ways why you're not eligible for the claim. I switched to this provided as I had an extremely good experience with an Inspire hospital and April UK has a policy geared towards them. I had an accident (smashed toe) while under cover from April UK with their Inspire focused product. When I called them about the incident, all the staff was concerned about was "when did it happen - am I sure it was during the cover period and not before - and did I show any previous symptoms before the cover started?". I was asked these questions several times even though I've confirmed the date on multiple occasions. Having not received an answer to what "previous symptoms" of a smashed toe look like and, even though I could clearly see it smashed on the X-Ray, they insisted I need a GP referral. Separately, "having assessed my condition" they need further reports from my treating doctor before they can progress with my claim. I called bull on this and am waiting to see the result! To put this in perspective, I used another insurer (starts with B) for several year during which time I had two claims with them and never was I asked to wait 1-2 weeks to see a GP - fun fact, a fracture treated on the same day costs way less to treat than waiting weeks before you are seen, but only if your business model is geared towards treating and not to weasel out of claims. The level of cover with the other insurer was at least 30-50% less than with April UK/ Inspire and we may go back to them soon.