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Is private medical insurance generally worth it?

32 Posts

I got Axa Health insurance through my employer. However the reviews don't give me much confidence in them should I ever need them. It's free though, so I got it. How reliable are private medical insurers? Is it a common occurrence for them to not pay out? Some of the reviews I have read involve poor customer service. I am very wary of paying for such a service out of my own pocket as I simply don't trust insurers. The only optional cover I have ever taken out is breakdown insurance which was about £30 per year and they did get me to a garage.
What is generally considered the best health insurance provider? I'd mainly want cover for major surgery, cancer and quick access to treatment.
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Like any product, there are good and poor versions of it... likewise there are those that go a life time with no need to claim who say its bad value and those that claim 500x the gross premiums who think its amazing