The customer service and cover is good. The premiums are not too bad. What lets April down is the clunky claims procedure. But for that I would have awarded more stars. First of all it is contracted out, so one can assume that the motivation is to make claims as difficult as possible. The operatives don't have the incentive or enthusiasm to treat the claimant (on the phone) with any sympathy. It's just a matter of "The computer says..." This is reflected in the necessity to obtain a letter from the GP. Not a straightforward letter but one with precise details conforming to the particular requirements of April. Now it is an unfortunate fact that NHS GPs are under some pressure and getting this letter can take weeks. The purpose of private medical insurance is to obtain speedy and efficient treatment and this procedure severely hampers this. One wonders if a better more efficient system can't be introduced.