Key benefits changed for the worse and premiums went up. Notification of these changes were not intimated clearly as key differances to original policy. result only 50% of claim paid out. DO NOT GO NEAR THIS COMPANY!!

I have had 2 HSA Dental Insurance claims in , one was for emergency on 4th February and another for the follow up on 23rd March. The first one was because a cap had broken off my tooth and the second claim was for the replacement cap. In spite of several phone calls, emails and letters to HSA I still have nothing back from them except for a letter dated 7th May telling me that my complaint is being looked into.

I do not rate this company at all and I am shortly going to report them to the Ombudsman!

HSA Dental Insurance are refusing to pay my dental claim. Throughout the entire process I have had to chase them for a response, I have not received any correspondence/decisions without having to call them first. They stalled with processing it initially saying the person dealing with it was off sick or on holiday. Then they refused it out of hand saying treatment wasn't covered. I queried this and they said the treatment was covered and the clinician would review again, they then refused the claim saying there was no evidence the work was needed. And are now refusing to accept any communication from my dentist.
I am being channelled down the complaints route, I said I'd be taking it to the ombudsman which they just said "you can't, you have to go through our complaints first".
It's very frustrating and makes me want to give up, but I know that's exactly what they are trying to make me do!!!

Since joining HSA dental plan last October 2007 have had my premiums increased three times! From £17 when the policy first started to now £21 per month. In the space of two months I was notified of these increases. Also with these increases they move the goal posts with regard to the amount of cover they will provide changing amount of annual limit and payback percentages. These premiums are not reflected if bought online through the internet. Very often it is quoted cheaper to sucker you in to buy the policy. Beware don't buy it! Read their small print on the policy information "Terms and Conditions" HSA have the absolute right to change any of the Terms and Conditions relating to the plan. They only have to give you one month's notice of any changes in relation to premiums and cover. How does that saying go "Buyer Beware".

I have been paying the maximum amount per month for quite awhile of £17 and I was unfortunate to have quite a lot of dental treatment which was essential, I had the treatment and sent in my claim for £2400, I am actually entitled to £2000 of that back but nearly three weeks later and loads of phone calls, I get told its still in the process line or the computers are down or the girl; dealing with it has gone home or Ill chase it up or somebody will contact you shortly I have given up.