CSHealthcare Nightmare

CSHealthcare, recommended to me as a good cheap health insurer so it's renewal time for me and I thought I would help you make a choice before handing over your hard-earned cash.

So I took out my cover in August 2011, all inclusive, nice premium and looked great value for money. That's where my positive experience ended!

About 6 weeks after I was involved in a minor accident where I broke my nose. Seemed to heal OK but afterwards I had problems breathing. Checked out by GP and referred for a consultants appointment for a deviated nasal septum.

The audacity of me to make a claim so soon. CSHealthcare refused treatment immediately and demanded my medical records from the GP (fair enough I thought as I had only been with them a short time) So days turned to weeks and weeks turned to months. Eventually 5 months after declining my cover pending further investigation, the man from CSHealthcare he say yes.

Having not slept for almost 5 months I was just grateful to at last ending my misery. Surgery was completed by an excellent consultant in a hospital about 40 miles from home (CSHealthcare have a very limited choice of hospitals and I would have been willing to travel to the moon to get the surgery sorted). My recovery was good and I attended a few aftercare appointments to tidy up the initial surgery.

More nightmares, usually around 4 weeks after an appointment I would receive threatening letters from consultant's secretary or hospital that invoices had gone unpaid. This became a regular theme with either invoices unpaid or the incorrect amount paid. It's really awful to have to go cap in hand to your consultant, who has transformed your life in making you better, with apologies for non-payment of invoices. I was lucky, my consultant was very understanding and laughed it off. However I didn't realise until later that he wasn't joking when on one of these apologies he laughed and said "Get yourself a proper insurer next time".

Anyway the final straw came last month, where I had a final assessment to establish if a course of treatment I had been undergoing was succssful or not. I was delighted when the consultant examined me and proclaimed all was fine. I left the hospital with a feeling of contentment, at least it had all come right in the end.

WRONG.

I received a letter from CSHealthcare stating they would not cover the cost of the previous appointment. This was despite never contacting me or the consulatant to inform that I had reached the limits of my cover. Neither had the consultant discharged me at any point. So much for all-inclusive cover!

So if anyone offers you CSHealthcare Insurance, or you are a current client of CSHealthcare who has been fortunate to not have had to make a claim my advice is simply pay a little extra and get your helath cover from a proper insurer. If you choose to try them out then good luck and good health, because your going to need it.