Your cover
Do you cover pre-existing conditions?
Most policies exclude conditions you've had in the five years before joining. With moratorium underwriting, a condition can become eligible after two clear years on cover.
What is an excess?
The amount you pay towards a claim before we pay the rest. You pay it once per person per policy year.
Can I add my family?
Yes. You can add a partner and children to one policy.
How do I change my cover?
Call us or send a message below. Changes usually start from your next payment date.
Claims
How do I make a claim?
Get a GP referral, then start a claim online or by phone. We'll confirm what's covered before treatment starts.
How long does a claim take?
Most claims are confirmed within one working day. We pay hospitals and specialists directly.
Do I need a GP referral?
For most treatment, yes. Mental health support and physio can be accessed without one.
Payments
When do I pay?
Monthly by Direct Debit, or annually by card for a 5% discount.
Can I cancel?
You have 14 days after joining to cancel for a full refund, as long as you haven't claimed.
Contact
Talk to us
Call us free on
Mon–Fri 8am–8pm, Sat 9am–5pm
Write to us: Company Name, 1 Example Street, London EC1A 1AA
Send a message
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We'll reply within one working day.
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