You pay for your benefits over your membership fee - ****.

Wish I could go below 1 star.

I spend ages going through the schemes because I was going to upgrade.

Not 1 piece of marketing material is actually helpful unless you're a family that fits in their niches. You have to dig through every single piece of legal doc on their site to see what you're actually covered for.

hen you do actually want to use a "benefit" you'll be told that it's coming off a care plan or something else, but then the call center tells you that it's actually going to come off your savings.

So, how do you call that a benefit if we have to pay for it anyway? ****.