WPA Health Insurance www.wpa.org.uk

WPA are the worst insurer I have ever encountered and try to remove Trustpilot negative reviews that are honest but not flattering to them, hence a false picture. My experience of them is that they bully people into submission and don't give a damn about fairness. They authorise claims and add terms like "blood tests, scans'' etc are covered, then refuse to pay the bill, citing that there was limit which they did not make clear in their letter. In fact, this actively encourages such tests when, if they had not been listed as authorised, the customer would either not have had, would have had quickly for free at an NHS hospital, or would have queried. They then leave the customer to battle the medical bill directly with the hospital/clinician and ignore complaints and information requests - yet include online reviews in eventual complaint responses as thought hat forms part of the actual complaint. Only public statements that are negative get a response (inadequate still) from WPA. Absolute sham in my opinion.

WPA did not honour Authorization of scans

Received following WPA authorisation regarding Abdominal Pain:-

"Thank you for contacting us to make a claim. Based on the information provided, we are pleased to authorise out-patient tests and investigations that you may require to reach a diagnosis. This authorisation is limited to the next 6 weeks and includes x-rays, ultrasound scans, ECGs, pathology (blood and urine tests) complex scans (MRI/CT scan) and diagnostic surgical procedures."

On 21/2/23 was informed expensive CT SCAN carried out 14/2/23 was unauthorised

CT scan in urological area did not reveal source of abdominal pain

Clearly if WPA were giving out genuine authorised letters it is infuriating that you get a surprise cost.

I was late finding out of my claim being welshed

Situation was queried 28/2/23 but I have been left stressed with continued WORRY WHAT is Abdominal Pain

Can you imagine if you had a £50,000 operation you thought was authorized

Everyone who considers health insurance needs to spend a lot of time analysing before TRUSTING THEM

More Facts

28/2/23 I replied to secure message (Message not read or responded to 2/3/23)

28/2/23 I complained to West Sussex representation about his Head office with no response

Starting the working day 2/3/23 just after making review WPA interacted with Trust Pilot review

Date of experience: 28 February 2023

WPA will NOT cover pre existing conditions up to 2 years even if you haven't had any treatment for NHS in 2 years.

IMPORTANTLY you still have to get a GP referral for anything before WPA will do anything,getting a hold of NHS is impossible so you will be paying them for ages before you get seen,you basically have to pay them for 2 years before they will do anything and by that time you could of paid for treatment in full without them, it's a subscription service where you pay for hassle.

This is the start of my complaint about WPA, how it proceeds will depend on their response to my case. I have a terminal condition called Idiopathic Pulmonary Fibrosis. The life expectancy is 3 to 5 years. It is not called Cancer but has the same outcome as some bad Cancers. If I had Cancer I would be covered under my 30+year policy. But because it is not called Cancer I have an allowance of only £1000 per year for consultations, tests and outpatient treatment. I currently pay £6K a year into my policy with WPA. If I had known this fact before signing up I would have just put my money in a savings account. Lets hope they see sense before I lose the plot and go very public.

You sign up for a service, and you pay your money, and then when you make a claim, they say that you didn't sign up for the service you thought you signed up for. What this is is gaslighting: questioning your own reality. Even when you take their contract, take their words out of their contract, they don't accept it. It just seems like a pretty low-quality organisation, one that is simply interested in profit rather than the service they say they'll deliver. Don't know how these organisations exist, but they do.

Untrusty.

Awful customer service.

Another disappointing experience with WPA.

Two weeks wait, emails ignored and waiting on the phone lines forever, without anyone answering.

When answered, WPA's "expert medical team" is implying that my GP of 11 years doesn't know his job, but they do better. How convenient, eh?

The next step is the Financial Ombudsman Service.

It looks like this is a commune practice for this business from reading all the other negative comments on Trustpilot from other clients.

Excellent from the get go.

From my first dealings with the adviser, and her holistic approach to presenting the personal scheme and company scheme to me has been a godsend.

It’s rare to find a company from dealing with the sales to the after-care to run so seamlessly.

Everyone I have dealt with in WPA has always been very professional helpful and shown genuine empathy when presented with stressful health issues and claims.

Whether dealing with WPA over the phone or through the app they are easy to deal with as they are jargon free and transparent.

Thank you very much for your help so far.

We have been clients of yours for over a year.

Honest, genuine, professional company. Good ethics and forward thinking. The bad reviews come from undisclosed information when they signed up, not the WPA I know.

I would feel utterly comfortable recommending private health insurance with WPA to friends and family.

There always a reason they won't pay out. AVOID!

I would actually give zero stars if possible. I haven't had experience with other health insurance companies, but this company is unscrupulous. I processed three treatments this past year (including dental, which is on my plan and which is capped) and they have increased my renewal plan to a higher premium payment than anything actually offered on their 2019 options.

For everything but dental (which seems to be pretty straightforward), their admin is terrible, no one answers on the message system, and they have placed one barrier after another with regard to follow up doctor visits.

They demand excess paperwork from medical providers and then drop the demands when pushed to explain exactly what they require. Every single time I speak to someone it's a different person who isn't familiar with my cases, so I get passed around. I truly believe their intent is to make you give up and go away quietly.