Health On-Line www.health-on-line.co.uk Reviews
Latest Reviews
★☆☆☆☆
“Useless, waste of money, they don't pay up”
Written on: 13/05/2013 by Dspencer87 (1 review written)
Having been with BUPA for the last 6 years I stupidly decided to change my health care provider to Health-on-line. Last month my wife suffered a miscarriage and had to under go ERPC, understandably we wanted to have this done ASAP as my wife and I were obviously very upset. The consultant informed us that he had an opening on the Friday where he could fit my wife in for the operation. I phoned Health-on-line and explained the situation, I thought this would be easy..... It was anything but... (read more)
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★☆☆☆☆
“Initial experience - disgusting ”
Written on: 23/04/2013
I visited my GP yesterday as I have been unwell for three weeks he immediately made a consultant referral as I ts him I had health insurance. What a surprise to find that Spire hospital in Cardiff is not listed (around 85%) of consultants here work fr there. The lady at HoL was very unhelpful and stated that they needed a copy of my records and would only pay £20 for them and could not underwrite the claim until they are received. I had to go back rob the GP to request a referral to a... (read more)
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★★★★★
“Great Company and Helpful”
Written on: 23/04/2013
I've been insured by HOL for 5 months so far on a family plan and recently made a claim because i was suffering from awful chest pains. quite scary! I called the claims line who were very helpful, they authorised my claim straight away as they had my medical history on file. Lckily the lady who set my plan in place gave me a heads up to get my 5 years medical history sent over sooner rather than later. I went to see a private specialist the next day who sent me off for a CT scan and some... (read more)
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★☆☆☆☆
“Dont touch this company!! Worst ever Health Insuranc”
Written on: 01/04/2013
I have always been with bupa or aviva then 2 years ago i went with Health on line big mistake. I paid £2500 in premiums I got a bd chest condition aperliguss a fungal infection I was really ill rang them for authourisation to go and see a specialist they then tell me they will email through some forms for my doctor to get 5 years of my medical records for them to consider if I can get treatment when asked how long this would take was told 7 to 8 weeks in that time I could be dead I... (read more)
Compare healthcare providers - Visit ActiveQuote.comM_Phillips's Comment
Written on: 17/04/2013
hi, i've been with health online for nearly a year now (never claimed so far!) but i got my doctor to fax over my 5 yr records shortly after i joined so it was out the way, done and dusted. i feel sorry for you if your doctor took a few weeks but thats not the companies fault. thats your dr's being lazy. i'm sure the company are wanting to check you are claiming for something new. i suppose they have to do their jobs correctly?
as long as you know where you stand when u take out a policy then all is ok.
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★☆☆☆☆
“Awful, Terrible, Disgusting ”
Written on: 25/03/2013
Very helpful and attentive when taking the policy. When claiming will use any excuse not to cover you. If you had an ingrowing toe nail they would use it as an excuse not to cover a brain tumour and thats no joke. I feel really bad because two friends took policies with them because of me, I just hope they don't have to claim. Use a proper company! It may cost a few pounds more but you will get what you pay for. (read more)
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★☆☆☆☆
“Cheap unreliable company”
Written on: 24/03/2013
After years with ppp i was recomended by them to change to health on line for finance reasons.Not long after i joined i was diagnosed with a prolapse and need a hysterectomy.Health on line insists that because i have had water infections in my past history this was related,my doctor and consultant have both sent letters saying it has not caused this problem,when i asked why they still won't pass my claim they said i must of had the symptoms in the past,if that was the case i would have had... (read more)
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★☆☆☆☆
“Cheap Scheme because they dodge paying up!!”
Written on: 04/03/2013
l have had private healthcare for most of my adult life,but unfortunately l changed from BUPA to Health on line in order to save money. a decision l deeply regret After two weeks from my contacting them to claim they are still not giving me the authority l need to proceed. The appointment l have booked is for three days time. Stress on top of stress if this organisation spent as much time looking after their customers as they do trying to avoid paying up they would offer a great service. l... (read more)
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★★★★★
“Best Insurer I've ever had!”
Written on: 16/02/2013
I signed up with Health Online about 18 months ago and I couldn't have found a better insurer. They halved my premium, which was a great start. I unfortunately am going through cancer treatment, but the staff have been wonderful. I managed to see the specialist within days and have the growth removed. Everything seems to be ok, but I'm glad I didn't use the NHS as I may have not had such a quick diagnosis to find the dreaded big C. I thought it was only fair to commend this company as... (read more)
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★☆☆☆☆
“I signed up about 5 months ago. Recently my GP has...”
Written on: 03/01/2013
I signed up about 5 months ago. Recently my GP has referred me to se an ENT specialist. Long waiting list, so I thought I was lucky to have the insurance. However, the company refuesd to help, as in the past I complained to the doctor about some general issue such as headache, sore throat or dry mouth. Basivcally, any excuse not to pay. I'm cancelling the polict to cut my losses. (read more)
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★★★★★
“Excellent so far !”
Written on: 20/12/2012 by zjs67 (1 review written)
I have been with Health on line for about a year now , when unfortunately I had to claim last month for a shoulder injury which has resulted in an MRI scan and surgery. This is still ongoing with Physiotherapy. The initial request for a five year medical history report from my Gp was a little alarming at first, but this went through smoothly and without delay from HOL. I received a prompt reply from them and got the go ahead to choose my Consultant, hospital and any treatment that i needed... (read more)
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Showing 1 - 10 of 27 Reviews
★☆☆☆☆
“Don't bother with Cancer Care, they don't”
Written on: 11/12/2012 by peggyegg
The NHS could not treat my relative with a very aggresive life threatning cancer cancer within the 6 weeks (policy has full cancer care although does have the 6 week NHS clause) Her operattion on the NHS was cancelled as she was wheeled into theatre. They could not operate within the 6 week tim scle We had to fight to ensure the operation took place as per policy. We are now continuing to suffer distress as despite having full cancer cover as an added extra, Health on Line are very... (read more)
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★★★★☆
“Good so far”
Written on: 14/09/2012
Been with this insurer for a couple of yers now, had a claim a few months back and went well, no problems. WHen calling to query always very helpful and its nice to know you have someone at the end of the phone. I have been with other companies in the past and i have to say i havent been dealt with as good. Noticed a couple of negative remarks but i think as long as u know what u have, whats covered and whats not u wouldnt have problems. Some people just take out anything and think they... (read more)
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★☆☆☆☆
“pay more to make the claim than the claim is worth”
Written on: 11/09/2012 by hotbird (1 review written)
went into hospital with a slipped disc as NHS patient refused claim because I'd been to doctor before with previous unrelated backache.Claim only 300.00, have to pay out more than this to see specialist Dr to write letter to say previous lumbago not related to injury. Its like saying you had a previous sprained ankle so you won't pay out if you break your leg a year later.Absolutley disgusting treatment.Don't touch these guys with a bargepole. (read more)
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★☆☆☆☆
“Don't get ill at the weekend”
Written on: 11/06/2012
I have recently taken out a business policy with health on line. Last night one of my employees developed suspected appendicitis and we have spent the night in A and E . It is not possible to reach anyone at health on line until Monday but he needs his op today, I called AXA Papp but thy can't help and were very rude. I will be cancelling my policy on Monday and going to BUPA as the object of taking the policy was to make sure they had speedy private treatment when needed. Be aware there is... (read more)
Compare healthcare providers - Visit ActiveQuote.comGuest's Comment
Written on: 20/07/2012
To be fair, I doubt your employee would be able to see a private specialist at such short notice without booking in an appointment first for a review then booking back in for an operation a week or so later. Sounds like your employee needed A&E and that is the only place to be seen at that short notice. Private medical insurance needs you to be referred by your GP first and GPs dont really work weekends to be able to get the referral anyway. I don't work for HOL but I do work in an intermediary (we dont sell their policies either) but how you think pmi works is not the way it actually does!
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★★★★☆
“straight forward peace of mind”
Written on: 18/04/2012
we used to be with bupa and have moved to health on line. they are part of axa ppp so already i had reassurrance that they were not a scam insurer. the agents are straight talkers and dont give you sales jargon , more than anything i have been speaking to the same agent all the way to setting up. they like to spend there time finding out what you want and which options would suit our lifestyles we have saved so much money and it was a like for like policy. At first i thought it was an... (read more)
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★☆☆☆☆
“Go with another health provider!!!”
Written on: 12/04/2012
Trying to organise an mri scan on my left knee following a fall, to start with twice when I called they couldnt find my details, and when they finally sent out the forms I needed they asked for medical records going back to when I set up the policy, fair enough.....,sent them back only to find they wanted my records to go back 5 years!!!! WHY!!! I have come to think, after numerous telephone calls that they are just a scam company because I do actually think they were using every possible... (read more)
Compare healthcare providers - Visit ActiveQuote.comGuest's Comment
Written on: 14/06/2012
It's called underwriting, and you would have been told about this when you were sold the policy. Sorry to sound harsh, but it would have been all in your policy documents. If you didn't take the time to read them, then tough luck.
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Julielornie's Comment
Written on: 18/06/2012
Take the time to read my complaint!!!!!!! you obviously dont work for health on line................do you!!!!!!
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★☆☆☆☆
“Terrible Hospital List!!!!”
Written on: 12/04/2012
I'm cancelling the policy I have only had a couple of months. I have just discovered that whilst the price was very competitive, the list of hospitals in London is far from what I would deem to be acceptable. For people outside of London it might be OK so I would just ask the sales person you speak with to confirm where you can go for treatment and where you can't. (read more)
Compare healthcare providers - Visit ActiveQuote.comGuest's Comment
Written on: 18/04/2012
im very surprised that it has taken you couple of months to realise your hospital lists.
i live in london and am looking to change provider , i called these guys the other day and the agent asked me if there was a particular hospital that i would like to use.
if you live in London there are so many private hospitals to choose from.
i took out private healthcare to beat the nhs waiting lists not go into a particular hospital.
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★☆☆☆☆
“Terrible”
Written on: 05/03/2012
Helpful - friendly - until you want to claim - beware!!! I would not recommend this company to anyone, if somethig is too chaep to be true it usually is. Go to a propoer health company. (read more)
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★★★★★
“Life saver.”
Written on: 22/02/2012 by Brad8
Firstly, I had never used medical insurance prior to signing up with Health-on-line. Having had some bad experiences under the NHS in the past with family members I was happy to get myself covered. I was diagnosed with a long term illness soon after setting up and 2 years on its all under control. The process was easy and I never got caught up in the financial aspects of the claim. I ended up having my op and have since been under the care of my consultant. Whenever they need to see me... (read more)
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★★★★☆
“So far so good. And certainly - so flippin' quick”
Written on: 16/01/2012 by multicheerios (2 reviews written)
I checked out Health online on this site after seeing the TV ad for them over Christmas. Obviously a couple of bad reviews on here for whatever reason, but I checked out Bupa on here and they were getting a similar hit. Now, given that Bupa are the one everyone's heard of I took it as read that I'd find out for myself. Now I know I've not made a claim at this point (and it seems that claims are the sticking point) but the service I've had is great so far. The quote thing on the site gave... (read more)
Compare healthcare providers - Visit ActiveQuote.comGuest's Response to multicheerios's Review
Written on: 09/02/2012
Just you wait till you try and make a claim. the whole world will change on you. I think it is because they use AXA as their insurer who will use every legal means possible to avoid paying your entirely legitimate claim. These people are crooks - AVOID AT ALL COSTS, YOU ARE JUST WASTING YOUR PREMIUM MONEY. Sorry to burst your bubble.
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Mrmatt's Response to multicheerios's Review
Written on: 28/02/2012
if you actually read your contracts and policy details and ask all relevant questions initially in the grace period that all insurers give you, then it is not anything to worry about because then if it doesn't meet your requirements then you can cancel. its people who don't understand their individual policies that put the bad remarks!
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Showing 11 - 20 of 27 Reviews
★☆☆☆☆
“Terrible communication!”
Written on: 12/12/2011
I have written 3 times for clarification on my no claims following a innocent health scare. 2 months, three letters and no response! Not very reassuring to think one day my family might depend on this company! (read more)
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★☆☆☆☆
“Awful Provider. They promise the world and deliver nothing”
Written on: 24/10/2011 by Sj123 (1 review written)
This insurance company is an absolute joke. The are so misleading, they are happy to take your money. But as soon as you make a claim they completely change their tune. Dont believe in the hype they are rubbish. You have been warned. (read more)
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★★★★★
“i have had a Health-On-Line policy for about 18 months...”
Written on: 05/03/2011
i have had a Health-On-Line policy for about 18 months now and i must say i have been impressed at every stage, when i originally bought the policy they saved me around 20% against my old BUPA policy. I expected the price to shoot up in the second year but it only went up very marginally and i was informed well before my renewal. Unfortunately i have recently had the mis-fortune of having to claim on the policy, I discovered a lump under my arm and was understandably concerned and went to... (read more)
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★☆☆☆☆
“the sales staff are freindly andwill promise you the...”
Written on: 08/02/2011
the sales staff are freindly andwill promise you the world. When you make a claim though, the staff become unhelpful and nothing promised ever happens. I had to go on the NHS in the end as I needed treatment for cancer and Health-on-line simply would'nt help. I phoned the sales area in the end and asked to speak to the manager. I was put on hold for about 10 minutes and the person that spoke to me was rude and told me he was'nt interested. They want to take your money, but don't try to make... (read more)
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★★★★★
“I was wary to leave Bupa because I had been with them...”
Written on: 17/11/2010
I was wary to leave Bupa because I had been with them so long, but their premiums just went up and up even though I hadnt made a claim, so it became a case of having to leave them or use the NHS, and there was no way I was going to do that. The advisor at Health-on-Line was so helpful and kept it all very simple, so I felt confident I was getting what I needed. I ended up saving about 30% overall. When I made a claim I had no problems, it all happened very quickly and there was no fuss. I... (read more)
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★☆☆☆☆
“i was sold a personal choice policy with Axa ( same as...”
Written on: 27/07/2009
i was sold a personal choice policy with Axa ( same as health on line) I have paid £130 for 15 moths a total of £1986. I recently suffered from a couple of worryingly intense headaches and was advised by my GP to use my medical insurance to get a quick diagnosis. I had not been to the doctors before and this condition and never been diagnosed but I mentioned to him that I have had had headaches before (who hasnt!!). I was confident on getting the cover as it wasn`t pre exsisting so... (read more)
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★★☆☆☆
“ The Health On-Line Policy sounded wonderful and...”
Written on: 16/04/2009
The Health On-Line Policy sounded wonderful and seemed reasonable compared to others. I opted for the platinum service and felt I had bought peace of mind. (read more)
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Dspencer87's Comment
Written on: 13/05/2013
I've had the exact same problem. They paid back £86.20 for my £1287.00 claim.