The Health Insurance Specialists - Tunbridge Wells

Andrew Critchlow

Very questionable service when an issue arose …. I was advised to “upgrade” my policy to Vitality to a “better and cheaper” policy. When I went to claim for suspected skin cancer Vitality put every available barrier in the way to prevent them having to cover my issue - and then wanted a £350 letter from my doctor for referral which they refused to cover the cost of. I took my complaint to these guys and was told to complain directly to Vitality. Policy cancelled and moved immediately, if you aren’t going to help with a complaint then other than sell a product what do you actually do? - not much by the looks of it… I’ll take by business and money elsewhere and suggest you do the same….

Danielle Carter

I took out a policy for my daughter with Ben last year and he was excellent from the start. Not pushy at all and gave me time to go over the quotes provided. Very responsive and friendly. Their customer services team are also really helpful and answer the phone promptly. I work in the insurance industry in a different area and always strive to give customers the best service and it’s really nice when it’s given in return.
Connie was also helpful and kind when updating my address. So far a really good IFA and I’m happy with my daughters policy!

Jessica Little

Not Recommended

The Health Insurance Specialists persuaded me to move from my Health Insurance Provider Aviva to National Friendly by offering extremely attractive terms which were: -

Lower monthly premiums for better cover.

Monthly premiums that would not increase for the next five years even if I were to make a claim and that the only monthly price increase at renewal would be due to age and that the increase would only be between £2.00 to £4.00 per month. I was categorically informed verbally and in writing of this benefit.

All the above were a lie as, at the annual premium review after year one, my monthly premium increased by nearly 20% despite no changes in circumstances and no claims.

When I complained to National Friendly and sent them a copy of the ‘attractive terms’ offered by their broker The Health Insurance Specialists, they replied ‘that they were disappointed to read the content as it contained a number of inaccurate points and that they were sorry that I was provided with this information’.

I am not blaming National Friendly who promptly dealt with my complaint and replied in a very timely manner, but they should accept some responsibility as it was their broker who was representing them and who blatantly lied to get the sale.

National Friendly suggested I contact the broker directly for them to review and respond to my complaint and take any appropriate action to put things right for me, which I did but despite several emails and telephone calls to Matt Nichols at The Health Insurance Specialists I have not had either an acknowledgement or the courtesy of a reply and therefore have had no choice but leave negative reviews on social media and online review platforms.

I have also referred my complaint to the Financial Ombudsman and in the unlikely event that my complaint is not upheld, I will not hesitate to take further legal action through the courts.

I would suggest you avoid The Health Insurance Specialists at all costs.

Simon Leigh

I have used these guys for a few years and had always found them to be very helpful in securing lower rates for PMI with decent providers

I was switched 2 years ago to General & Medical with a guaranteed Claims Neutral policy. all was good until this years renewal when the premium jumped nearly 65% ! I questioned this and was told that yes they no longer deal with G & M as they had used some small clause in their terms and conditions to increase premiums. Sounded very dodgy.

Was offered another provider but with major exclusions. i had unfortuneatly claimed a considerable amount during the past year but Claims Neutral is Claims Neutral. I was advised to pay the first month whilst they sort this out, to avoid my policy lapsing.

I spoke to G & M who categorically claimed they have never sold Claims Neutral policies and T.H.I.S. claim the sales person they dealt with left the company! G & M also advised that they had been asked by my broker not to discuss this with me.

Despite several assurances that a director of T.H.I.S. would deal with this and contact me immediately, i have heard nothing except lame excuses from the renewal broker i deal with.

I am now advised that the company has been sold and the new owners are dealing with it. i have asked but denied details of a name and contact to speak to and was told to basically call the switchboard.

This is totally unacceptable and I hold The Health Insurance Specialists responsible for my premium increase as they have sold me a policy that doesn't exist.

Be very careful....

Anthony Hall

My previous health insurance was up for renewal. Out of interest I made contact with Naomi Lavell, at HIS , to see what was available, as it was 9 years since I last changed health Insurer . In no time at all, by my preferred method of communication, Naomi presented a number of options for me. No pushing. No sales patter. Just straight forward, factual, information . In so doing , Naomi has halved my previous monthly premiums, with a far more comprehensive policy, from a brand name. Highly recommended. Thank you so much.

princekwamiso

I was looking for an insurance that fits my budget and I am glad I found the right one thanks to the professionalism by John Lazas from US Health Insurance. John is very knowledgeable, great communicator and friendly.
Thanks to his advice I am now enjoying a health insurance suited to my financial situation. I truly recommend him.

Kate Hilson

Harassment!
I made the mistake of entering my details into their online interface while searching for BUPA. This was an easy error to make because Google brings up their website when searching for the real BUPA site.
Since then I have been bombarded with repeated phonecalls and also by email. I have had to systematically block several phone numbers that they have been using.
Avoid!

Matt Baker

Very clean and tidy office, with friendly staff.