Review Time
Everything about this company is slow,To getting approvals for claims, to the their terrible customer service. Damian takes forever to reply to calls and emails, it's a one of the worst insurance companies to deal with.The only thing they are quick on, is increasing the premium each year, by a riduclous amount too.
Generally I am really satisfied . My questions are always answered and the team are knowledgable and very professional. I just wish it was a little quicker to get an authorisation . Sometimes it can be incredibly quick and other times it’s takes too long especially if you really need to see a consultant or have some physio or osteo. The private GP access is fantastic. Almost instant. The website is easy to use, emails are dealt with quickly and there is always a copy of the letter posted as well as accessing it online. In fact the posted letter may not even be necessary because you can print it off or download it yourself without extra paper waste
Really disappointed and angry at the experience I am having with G&M. I have been with them for a couple of years, and although they are extremely slow in refunds ( when I have had to pay upfront and claim back), they have, until recently been ok to use. I am still waiting for a refund for an appointment for my Son since October! I have sent receipts and invoices, made calls and been assured that it is being dealt with which it never is, sent numerous emails and the last 4 or 5 phone calls and emails have blatantly been ignored. This is what I pay for? Absolutely awful customer service. In one of the email responses there persons who had emailed me couldn’t even spell properly. I am now having to take more of my time to send an official complaint ( which you can only do by post?!, who does that these days?), and then if no response which I amExpecting I will have to take it even further by contacting the financial Ombudsman. Why can’t companies just do what they are supposed to do?
I spent a lot of time, emotional energy and some money responding to a stream of requests for information after filing a claim with G & M earlier this year. The subsequent process was slow and unhelpful - it felt like the claim was delayed on any pretext. For instance, I was told that the data from my GP's records, provided by an independent body as requested by G & M, was unacceptable (that decision was reversed but only after protest). My claim was eventually declined, and I asked why. Part of the evidence cited by G & M was a side comment I made to a physiotherapist in February 2026 that "I had difficulty putting my socks on". True, but not relevant to the decision and probably more reflective of G & M's mindset. I was also told I could re-apply 10 months after the policy started.I did so and went through another drawn out process, which eventually ended with a second letter saying that the claim had been turned down, but for a different reason from the first time around. I had wasted more than six months, and been pulled from pillar to post along the way. It was no comfort to learn that I could re-apply in two years time. I filed a formal complaint, not challenging why the claim was declined, but the delay in doing so. G & M could have given me that decision and its rationale up front with the first claim. If so, I would have had my operation at the beginning not the end of 2025. Either way I would have paid for it, but I would have improved my quality of life much sooner if G & M had been quicker and more professional.Given the way that the claim was handled by G & M, I suppose it's unsurprising not only that my complaint was not accepted but also that it was done in an unsympathetic and bureaucratic manner. I am now considering a complaint to the Ombudsman, something that I believe the insurance broker involved has already made.
For years, dealing with my previous health insurers (Bupa and then a short term with Aviva) often felt like a second full-time job. Between long hold times, being passed from department to department, and the sheer volume of paperwork required for even minor queries, it was a constant source of stress. Every time I've called General & Medical, I've been connected to a real person within minutes, and they've been able to resolve my issue or answer my question efficiently, usually on that very first call.
Claim your business profile now and gain access to all features and respond to customer reviews.
Private Health Insurance Solutions.
cityapartmentsuk.com
onpay.com
aciuk.co.uk
a2fund.com
brightstarfinancial.co.uk
joindebbie.com
own-gold.com
milesandbarr.co.uk
www.mutualmortgage.com
cushon.co.uk