Terrible company - I have AXA healthcare cover through my work so I didn't have a choice but to use them. I was given a "dedicated contact" as this was cancer related, but they never respond, they simply don't care and no one there wants to help you. They constantly reject claims even though they are within policy, they do eventually get paid but they will make you jump through hoops with unnecessary paperwork and automatic rejection notices even though your claim is valid. At a time when things are stressed and you need some support this is honestly the worst company for healthcare cover.