General & Medical  Reviews 

Simple to understand and easy to apply for cover. Advisor was knowledgeable and thorough to check cover was what I needed.

bit of an administrative nightmare TBH but once Team Leader Damian got involved everything went really well.

Error in setting up account, delays on claim. Hasn't been the best experience.
When making a claim we find out the joint account wasn't set up properly (they then tell us that was our fault, when we followed everything they told us to do). Then tell us there are letters on the portal - log in, nothing there. Then another call, they then upload the letters onto the portal. Causing at least 5 days of delays to a claim.

Make sure you can see your portal. Make sure you follow up every claim as it seems that a system based on technology has room for impactful errors.

Jose helped me very well throughout the claim process, offering advice and support when needed. Great customer service.

Matt was friendly and helpful. He answered all my queries in a way that was clear and concise.

Matt was very understanding and his service was excellent.

My call was answered quickly without waiting for long like. I hate to wait and choose options again and again before I am able to speak to soneone. The advisor I talked to answered all my questions clearly and efficient he knew his job very well.

So awful. They never respond in good time. I share the same contact as my colleague and never once has she acknowledged an email. Two days and no reply about a claim. Utterly useless and will be changing to BUPA. I have the top tier in their silly healthcare plans and might as well not have bothered. Avoid and go elsewhere.

I have been a customer of General and Medical for several years, but my recent experience has been highly disappointing. Following an illness, I needed to claim on my insurance for the first time and called for a recommendation for a consultant. The gentleman I spoke to was very helpful, and I went with the recommended consultant.

However, the problems began after that. For over two and a half months, both the consultant and the hospital have been contacting me repeatedly for payment because General and Medical have not paid. General and medical say they will pay but have long delays in processing claims. This has left me, an unwell patient, stuck mediating between them and now the consultant is saying due to the delay I am now liable and they will escalate to civil recovery. Despite the treatment being pre-authorised, I have had to send numerous emails and make several calls to try and resolve this issue and now genuinely concerned I am going to have to pay to prevent bailiff’s.

My attempts to speak with my client relations coordinator have been frustrating as well. He is either unavailable or does not respond to my emails. This lack of communication has been incredibly aggravating as I feel no one is taking responsibility to help.

To make matters worse, both the NHS trust and the consultant have expressed their unwillingness to service General and Medical patients in the future due to these payment issues. This is particularly upsetting as the doctor has been amazing and has helped me significantly.

Overall, this experience has been a source of stress and disappointment. The lack of timely payment and poor communication from General and Medical is unacceptable. I expected much better service given the premiums paid and my long-term relationship with the company.

The positive side is when you speak to the staff, they are friendly and polite.

I was looking for a quote on health insurance and Michael Sherman was very helpful and professional in our several conversations and explained everything thoroughly allowing me to make a decision on which policy best met my needs

Michael Sherman knew his stuff and responded with expertise and precision w.r.t discussing all the relavant information regarding my switch to GM.

Clarity of explanations provided.

Thank you, Michael.

We went through our medical advisor Jason Foley at Healthcare FM. Who recommended you to us.
All of our dealings with Gen & Med have been excellent.
I recently spoke to Sanum in your credit control who was a fantasy ambassador for your company.

It is such a joy to be able to actually speak to someone when contacting General & Medical. My issues have been dealt with highly professionally and unlike other private health providers, in a far less stressful manner. I have also spoken with the same young woman every time I needed to and she has been outstanding in her attention to my issues. I would not hesitate to recommend G&M and particularly the team I deal with.

Very clear and easy to set up. Michael was very very good at explaining the policy

My experience with General and Medical has been frustrating. The policy terms are overly strict compared to other providers. Having been with AXA PPP before, I found them far more responsive and reliable. General and Medical takes much longer to respond to claim queries and is more likely to decline them.

Their exclusions for pre-existing conditions are excessive - something you won’t find with reputable providers like AXA or BUPA. Paying for a year in advance feels like a waste of money. It’s as frustrating as dealing with the NHS, except you’re paying for it in addition to the taxes that already go towards NHS care.

My advice: choose BUPA or AXA instead. Avoid the hassle, don’t just look at the monthly premium.

I made an enquiry and arranged a call back to book. When the call back finally happened, it was 30 minutes late, and by then I had to return to work. I called again during my break but was told no one was available to speak with me, though I was promised an immediate callback. That call never came. After following up again, I experienced yet another broken promise. If your customer service is this unreliable, it leaves me wondering how claims are handled.

I don't think words could do justice to what an awful customer experience I've received from day one with this insurer. In a few words: inefficient, unhelpful, unclear, jumbled, distressing.

It takes an absolute minimum of 3 days and usually more to receive a response to email queries, the phone isn't much better as the customer representatives are rude, passive aggressive and unhelpful coming out with phraes like 'riiiight....' or saying they don't know much about your query and their colleague isn't around... so 'I'm sure they'll be in touch'. Promises that invoices will be processed by the end of the week - 8+ days later and nothing... it's exhausting having to chase every little detail then receiving absolute nonsense garbled responses back filled with passive aggressive or downright abrasive comments. It's like they are telling you off or angry at you from day one.

The policies are unclear and at every turn you hit another loophole that they pull out of the fine print of their policy that adds on other £100, £200, £300.... so you're almost paying the entire costs in the end.

They began by authorising cover of my medical condition after checking my medical records, only to change their mind mid way through once they'd re-reviewed, once I had racked up all the costs and invested time and stress in diagnosis. Why would you authorise a medical condition, then suddenly the underwriters decide to re-check the medical records at the point they have to pay out.... it is a total scam.

In the end it's so stressful, you'd just prefer to pay the entire private costs yourself. I'm glad to have found people with similar experiences on here as I thought it might just me