To cancel private health insurance

I found AXA excellent with anything mole related.

I’ve got Bupa and they’ve paid for dermatology, physio and now psychological therapy for dc. Never been quibbled.

I have bupa via dp workplace. Didn’t use it for years and then literally became life saving, had no issue getting the operations, consults and cancer treatment needed was worried it was going to be turned down as have read some horror stories with private health. But was incredible smooth sailing. Does seem to vary from company to company

Try benenden, we use that it's good as a backup to the NHS.

I've had AXA through work for several years and they've covered multiple procedures and treatments related to a pre-existing, lifelong condition. Many thousands of pounds worth. It's been absolutely worth it for me and, so far, I've had no issues with communication.

I have a policy through Axa that has paid out for MRIs, chiropractic treatment, physio treatment, niche genetic testing and echocardiograms. They haven’t turned a single thing down and have a paid thousands for testing for conditions that would have been inconsequential even if I had them. I guess it depends on the level of cover, but if yours doesn’t give you what you need then cancelling seems reasonable

Used Axa and Bupa over the years. No issues with consultants, everything easy (ish) to arrange. I think you have to always pay for private prescriptions and when you need a referral can book an appointment with their online GP for a video call easily, 7 days a week and referral letter immediately

I have a horrible feeling most of the insurers don't want to pay out at all. I have WPA and they would not pay out for a mole to be removed - because years ago I had a general mole check and I was advised, nothing to worry about but best to keep an eye on it as was a larger one! Nothing else. Then years down the line I was advised to have it removed as it had grown a bit bigger. No pay out. So basically, you can't seem to able to be vigilant and sensible! I am wondering whether to renew - is a very expensive luxury.

I had AXA through work for years, then AXA privately and then Bupa. Both were good, AXA was really good.

I’m with BUPA and they’ve been incredible.
We never had to claim for years and now all they ever do is have to pay our claims. Not a single issue or drop in the care or service we’ve received.
They’ve all been incredibly helpful and supportive too, I recommend them to everyone.

We used to use Vitality at work but I didn't sign up as everyone said how useless it is.

We have now moved to AXA but their terms and conditions don't seem any better. If you need a prescription you pay private rates for medicine; you can't make a claim if you have seen the NHS for the same issue in the past 2 years; £100 excess for anything

At my previous company we used Bupa and that wasn't much better.

I've had Bupa, AXA and Vitality.

Bupa was the best for me without a doubt. So easy to claim and so much choice.
AXA less choice and some of the interfaces are a bit more difficult to use. Getting the authority is pretty painful, whereas Bupa this wasn't an issue in the slightest.

Vitality was awful for us. Was immensely happy when my employer dropped them and went with AXA quickly!

I've had BUPA and Vitality.

While BUPA was seamless in comparison, Vitality were fine. Ive had minor surgeries that would not have been done on the NHS without bother.

I'd not be without, you just never know.

AXA wasn't great and I had to speak to three advisors to get authority and then they tried to bill me twice, when insurance had already paid out!!

I've had loads of claims paid out by AXA PPP, Cigna and Bupa. More than £100k

I am not sure other insurers are any better. I have had endless problems with an expensive policy through AXA and am tempted to cancel too.

I wouldn't touch Vitality. Nothing but issues and problems

In our experience, Vitality is not accepted by some clincians as they are a nightmare to deal with in terms of settling bills. Our DCs ACL reconstruction has to be delayed as the surgeon wouldn’t proceed until he had written confirmation from Vitality of cover as he’d been let down by them previously. My physio has also stopped dealing with them for similar reasons.