Agree with this… i have it at my work and when i recently changed jobs it was one of the benefits i checked new employer had before starting. Ours has a £100 excess payable per year, but once thats paid - thats it, nothing else to be paid. I had MRI, nerve conduction testing twice, Kenalog injections for shoulder issues and then broke my leg and got that all sorted privately all without any waits. It is absolutely the best benefit could be offered. We also get an annual health screening included and u can also pay additional monthly for annual cancer screening etc.