This policy chose to deny my middle child life insurance solely because of managed high blood pressure! This child is the healthiest, most active child I have and they declined him life insurance for the small amount of < $10,000 a year! Something they make in a day...absolutely disgusting! I do not recommend this life insurance to anyone.., Use one of the top 10 such as Gerbet or Met Life... any other is better than these discrimanatory dogs!!!

I signed up for medical and dental through this company. I specifically asked if dental exams were 100% covered to get teeth cleaned and the person assured me and read me off the benefits and said YES. After paying since February I finally was able to get my children into the dentist. I received a call from the dentist who is on the list of providers only to find out that I have a $460 bill and my insurance only paid a whopping $12.00. Yes $12 that's it!! Also, I was also honest with my medical history and the person said that I would be able to be insured and so I went through the process and finally received a letter stating that I was denied.  I am so unbelievably upset that I wasted my money on this. I am reporting them to the bbb. I also called and spoke to a supervisor and he was not friendly and could care less that this happened. They sent me a booklet for me to sit down and read explaining all the benefits. When I read it I thought it said I had a $50.00 deductible. Guess I strongly misread and was misguided. I am sure there are thousands of people that feel the same and companies like this need to be faced and made public!

As employees there is no choice in whom your employer retains. So we are forced to deal with these people. Lost documentation. Snarky representatives. Phone calls that are never returned. Unwillingness to payout. Rude. If any employers are looking to use these people be aware that your files for your employees are mismanaged You are not getting what you are paying for. Keep every piece of paper they send and i suggesting emailing so that you have a paper record of what is discussed

Standard Life are only interested in one thing! Making sure they find every reason NOT to pay for your claim.

In my experience worse health care you can get, Bupa, PPP much better.

Suppose to have business healthcare with these guys I might as well have gone private. With PPP its next day or day after, with these guys a month later and ive finally got through all there processes. Had to get a referral, and then pay for a claim form to the docs, now they are only covering one consultation, and then the doc has to give them another claim form for the treatment. There questions made me feel like a criminal, had this for the past year, now its another month. Finally decide to get something seen and there being plums about it. Would never claim again.

I note that "50%" recommend this - but have they ever made a claim? I VERY STRONGLY URGE people to think carefully before paying for this "insurance". Having researched the market very carefully, read and thought I'd understood all the small print, supplied all relevant information (which hasn't been disputed), when I made a claim for a short (4 day) stay in a private hospital following a major (NHS) operation they contrived, successfully to find a reason not pay on the grounds that I was not receiving "active treatment". Does anyone know what "active treatment" actually - I doubt it. It certainly wasn't clear to me before they accepted my annual premiums. BE VERY CAREFUL.

Excellent Customer Service, friendly helpful staff. Claim paid as promised. I was a little wary switching to Standard Life from AXA PPP but proved to be an exellent move.

avoid this company poor communication
poor administration
no what you need when you are ill
ended up out of pocket with this policy

Standard Life Health Insurance has excellent product, excellent customer service - you get what you pay for.