I would rather die in hospital than deal with this company.

If I could rate this less than one star I would. Never in my life have I had to deal with such incompetence. My father was in hospital in March. After discharge he submitted gap Cover claims to Kaelo. the first time around around filling in 16 batches of forms, they rep**** to inform us that the incorrect forms had been filled in. Kaelo then emailed us the 'correct' forms. these were filled in (again) and resubmitted. We have received a response that the forms have been received and got a reference number. when calling in this morning the consultant has informed us that the forms were never received and we need to submit again, which we just have. The consultant is rude and refused to allow us to speak to a manager or head of department. Nor would she supply us with an email address of a superior. Good luck trying to deal with Kaelo. They will cause a heart attack before you ever receive a claim