I was covered with Standard Life Healthcare through my company scheme for a number of years until PruHealth (aka Discovery, South Africa) took over in 2010. Standard always provided a world class customer service - one call and treatment was authorised and covered in full. I'd previously been covered with BUPA and PPP and both were bad.......until I experienced Pru! I recently had to claim and they made me feel like a criminal.......they put a blocker at every stage of the claiming process and everything was my responsibility to provide for them (what do we pay them for?). Not only that, I had a call from my Consultant yesterday saying that they wrote to him telling him his consultation fee was £20 too high. Who on earth do these people think they are? As my consultant says, he charges the same rate to all patients whether insurered or not.....and PruHealth are the only people that seem to have a problem. It's clear to me that they are trying to make the claiming process as difficult as possible in the hope that I'll simply have treatment on the NHS. What's the point having insurance???