I have Henry insured with John Lewis and they have been brilliant. Henry has Epilepsy and suffered Pancreatitis last year. His Epilepsy medication costs £60.00 per month and his Pancreatitis problem cost a few hundred pounds. This year his premium was only increased by £92.00. I'm now paying £332 per annum for a lifelong policy of £10,000 with a £70 excess.
So far I have claimed over £1,000 in the past twelve months.